Harp Lender for Investor with No Overlays.

If your properties were here in Phoenix, we would have some options.. But it really depends on a lot of other factors.. Credit score, reserves, DTI, etc... I would keep trying brokers in MI.. There are hundreds of lenders in this county and quite a few lend in MI.. I'm sure there is someone out there... but trust me, you won't find this product with your current servicer or the big banks... I'm a Broker here in Scottsdale AZ and I only lend in Arizona. If you or someone you know is looking for financing options, feel free to contact me or pass along my information. 480-287-5714 WilliamAcres.com

For many people, HARP 2.0 is really HARP 2. NO. Remember, Fannie and Freddie don't do loans. Lenders do loans, then sell them to Fannie or Freddie. Lender overlays show the disconnect between the risk versus reward that lenders feel in doing HARP loans. Good luck in your search. Need a HARP loan in MN or WI? Visit www.HARP-Refinance-MN.com

hi there: please contact me to discuss. I do have couple investors that will consider no overlays to 175% ltv/cltv...would like to get more information on your loans before comitting if that's acceptable. pretty familiar with Freddie's Harp guidelines etc and lenders selling loans to Freddie since I was a junior Underwriter for Freddie in my experience. MIke NMLS #754875 (Emery Federal Credit Union) 703 505 5300

However, size of loan and the collateral of the property types trump.Overlays are also important. there original loan placement for sale in the driver on your property total limits..If you'd like to discuss it, I may have a few options for you.Patrick Munce #440891 248-514-6560

Overlays are there whether you see them or not some lenders already have them in the rate and say "no overlays" and others have lower rates to start and then add in overlays as the risk gets greater...good luck

I can help if you haven't already. John Juge Security National Mortgage. 877-814-5333 nationwide direct Fannie /Freddie lender