Need a Harp Refi Loan with a competitive rate. Live in Florida and LTV is 130%. WHo can help me. Our current lender is BoA.

Hi Coach, we specialize in the Harp 2 program already! Been trained by 4 differents lenders in the past 2 weeks. Please contact me as we have 15 lenders/banks aboard so far and will shop for the best rate for you PERIOD! I have been a mortgage broker going on 12 yrs in the South Florida area mainly, just a character check, I have and are doing dozens of law enforcement officers loans every year...Call or email me your name and address rate and loan amount, I will check if you qualify and run a B2B (benifit to borrower) and show you in black and white were your break even is and how much money you will be saving in 5, 10 yrs and over the life of the loan.

Well, whatever you do, don't start with BofA. Instead, contact a local Mortgage Banker/Broker. They will have access to many more lenders, and therefore able to get you the best possible terms. ~ Bert Carpenter, The LoansA2z team of NOVA Home Loans ~ NMLS 40586 ~ www.LoansA2z.com

I would contact a couple of different brokers and to get different quotes. I am sure they will offer you better terms than your current servicer for the HARP program.I only lend in the state of Florida.

130% LTV -- If the HARP program doesn't work in the government give away, there are a lot of canals in Miami.