HARP Program Leads- Target homeowners with the government’s new and completely revamped HARP Making Home Affordable Refinance program. The government announced changes to its HARP program October 24, 2011. Contact underwater borrowers on their conforming, conventional mortgage. The government calls it HARP, as in Home Affordable Refinance Program. The program is also known as the Making Home Affordable plan, the Obama Refi plan, and Relief Refinance.
We have developed the sources to precisely target the exact criteria, all 100% accurate. Don't waste your time and money buying a general list. Use our targeted tools to hone in on the exact homeowners that will qualify for HARP.
5 steps for your HARP preparation
1. Ensure Fannie or Freddie backs your mortgage.
2. Determine if your mortgage is old enough- Loan must be prior to June 1, 2009.
3. Does your current mortgage have LPMI? - HARP specifically excludes homeowners that chose lender-paid mortgage insurance (LPMI).
4. You must be current - Cannot be late on mortgage.
5. Find and organize your supporting paperwork - Organize bank statements, a drivers license, homeowners insurance information, pay stubs and W-2s. If you're self-employed, you'll have to provide tax returns to verify income.
The faster that you submit your loan applications the quicker they will be approved.
Filters and criteria:
The Loan must be backed by Fannie Mae or Freddie Mac
Current loan date must be prior to June 1, 2009
Loan must be paid on-time for the prior 6 months, and at least 11 of the most recent 12 months. S
Borrower may not have used the HARP program before. Only one HARP refinance per mortgage is allowed
LTV must be 81%+. There is no loan-to-value restriction under the HARP program
Conforming loan limits apply. No jumbos
Owner and Non owner occupied allowed
Single family and condos allowed
First mortgages only, no seconds
Must be employed and income verified
Select minimum interest rates
No minimum credit score
Pricing:
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