Affordable Home Refinance with HARP.

Refinance mortgage through our aggressive Home Affordable Refinance Program – HARP and you could reduce your monthly loan payments by over $250*, even if you owe more than your home is currently worth. We make sure our loan refinance program maximizes homeowner’s savings in two ways:

1. We offer competitive interest rates on our fixed loans that drastically lower monthly mortgage payments and help to save thousands of dollars over the life of a loan.
2. We provide some of the lowest closing costs in the industry which drastically reduces the out-of-pocket expenses, or we eliminate closing costs completely through our “no closing costs refinance” option.

Loan refinance through HARP offers outstanding benefits:

• Average savings of $250 per month, or about $3,000 per year*
• Up to 175% LTV (loan-to-value) allowed
• Loans with PMI are eligible for refinance
• 620 FICO for Owner Occupied & Second Homes / 660 FICO for Non-Owner Occupied
• 30, 20 and 15 Year Fixed Loan Terms available
• Appraisal waivers accepted on many loans (an additional saving of $400!)

Refinance eligibility requirements:

• You have a good mortgage payment history for the past 12 months. That means having no late payments in the last 6 months and no more than one 30-day late payment from 6 to 12 months ago.
• Your property is your primary residence, 2nd home or investment property
• Your loan-to-value ratio exceeds 80%
• Your loan is owned or guaranteed by Fannie Mae or Freddie Mac. Check the Fannie Mae Loan Lookup tool.
• Your loan was closed on or before May 31, 2009 (this date can be found using the loan lookup results).

* source: http://www.whitehouse.gov/refi

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