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HARP 2.0 Mortgage Program
The following criteria must be met to qualify for the
Home Affordable Refinance Program (HARP 2.0):
A HARP 2.0 refinance only applies to Fannie Mae or Freddie Mac mortgages. Click
here to check Freddie Mac
here for Fannie Mae
The homeowner must be able to afford the new lower payment.
The current mortgage must be up to date with no late payments in the past twelve months.
Payments on the new loan must be more affordable or more stable than on the existing loan.
However, for homeowners looking to refinance into an adjustable rate mortgage the maximum LTV is 105%.
To view a message from the Federal Trade Commission concerning mortgage relief scams,
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