mortgage loan after chapter 13 Many assume that after filing for a bankruptcy (chapter 7 or chapter 13) that you can not get a mortgage for at least 2-3 years after it is discharged. While this is the case with most banks and mortgage companies, there are some non-prime lenders that do not have these sort of waiting periods (also known as "seasoning requirements").

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In total, DataQuick said 13.8 million mortgages meet HARP requirements based on LTV ratios, with the 6.7 million accounting for loans with a 125% LTV or higher. Program refinances totaled nearly 1.

The key changes between HARP 1.0 and HARP 2.0 are as follows: 1. There is no longer a 125% loan-to-value (LTV) cap on HARP loans. Fannie and Freddie are now accepting refinances no matter how underwater the current loan is. 2. Borrowers with mortgage insurance are now able to refinance with the HARP program.

HARP is designed to help homeowners with or without private mortgage insurance (pmi) and lender-paid mortgage insurance (LPMI). The general rule of thumb is that if you have mortgage insurance, your new HARP mortgage must have the same level of coverage.

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Harp Mortgage Program Guidelines – If you are looking for an online mortgage refinance service, then we can help you. Find out how low your payments can go.

One of the most important requirements for HARP is that your loan must be owned or guaranteed by either Fannie Mae or Freddie Mac. This is true regardless of the specific lender you pay each month. You can use the simple online forms to determine if your loan is owned by Fannie Mae or owned by Freddie Mac.

Fannie, Freddie Relief Program for Underwater Mortgages Extended – Eligibility requirements for the program will remain the same. Loans refinanced through HARP must be guaranteed by Fannie Mae or Freddie Mac and must have a loan-to-value ratio greater than 80 percent.

The Home affordable refinance program (harp) is a federal refinance program.. Of course, the loan must still meet all the typical HARP requirements.

Home Affordable Refinance Program (HARP): If you are current on your mortgage and have been unable to obtain a traditional refinance because the value of your home has declined, you may be eligible to refinance through HARP. HARP is designed to help you refinance into a new affordable, more stable mortgage.

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