If your mortgage is making your financial life more difficult than you expected, you can get assistance through a program called HARP (Home Affordable Refinance Program). HARP eligibility is easy to determine as there are several factors that can affect whether or not you can get help with your mortgage. If you want to lower your payments and are a responsible homeowner, there are several things that you can do to help with determining your eligibility for this program.

Refinance Today and Save!

 

How Can HARP Help You?

The HARP website is an excellent resource to help with obtaining information about what you need to do to get started down the path to financial relief. The basic qualifications are that you be caught up on your home payments with no late charges on your credit in the last six months, that your home meet certain residency requirements such as it being your primary residence, secondary residence or a business residence, your loan must be through the Freddie Mac or Fannie Mae loan programs, you have to have gotten your loan before May 21, 2009, and your LTV ratio must be more than 80%. These are fairly common factors in people who have purchased a home and are fairly easy to meet and prove. If you aren’t sure who owns your loans, you can use handy tools on the HARP website to look up your loan originator. This page is designed to help homeowners as much as possible. Even if you have applied for HARP before and have been denied, the many changes that have been made to the program in the last few years have made it much easier to get approved, so it is worth it to try again. Refinance Today and Save!

Government Housing Assistance

 

In order to get HARP started, it is necessary to fill out and turn in an application. After that, you have to get the application approved, and then go through a closing process, similar to the one that happens when you close on a house initially. After gathering your financial documents and information, a call to your mortgage company is necessary. If they are a participant in the HARP program, they should have all of your information on hand, so the process is easy to go through in most cases. If your loan company doesn’t accept HARP, it may be time to consider switching companies so that your options are made more abundant. Most lenders are more than willing to keep your account in good standing in any way that they can, so the application and closing processes for the HARP program are often expedited with most lenders. Refinance Today and Save!

 

For most people who owe more than their home’s worth in mortgage payments, it is a huge benefit to refinance and to get lower payments every month. Though it seems daunting, there are ways to make the process easier, such as being prepared before even making the initial call to your lender or your mortgage company, making sure you are with a company that takes the HARP program, and by being assertive. If you aren’t approved the first time, try again. You an always get a second opinion on your finances, especially when it is in your best interest to do so.

Have you tried A FHA Loan?

 

The HARP website contains many resources to help get the process started. For instance, there is an eligibility determining tool, which can knock out a great deal of groundwork beforehand. Harp.gov also has a LTV calculator and a link to a page that can help determine what your new rate for your payments will be. There are useful tools that can help with contacting your lenders and with making sure that you are not getting lured into a scam by an outside company that might not be quite as reputable. Many companies try to charge fees or make you make payments through their site rather than through an actual mortgage company, and that is fraudulent, so be careful. If your mortgage company does not authorize an action regarding your financial assets, do not do it. The HARP program is there to help you and to make life easier where an otherwise overwhelming monthly payment stands in the way of your ability to enjoy life. follow these guidelines, use the website and its tools, and take your financial freedom back.

 

Natural Antibiotics and Antivirals
The issues of antibiotics and antibiotic-resistant bacteria have gotten a lot of attention lately. The concern is that bacteria, having been exposed to antibiotics for so long, have developed a resistance to the antibiotics, creating "superbugs." The grim reality is...
Best and Worst Student Loan Services
Best and Worst Student Loan Services This is the time of year when hundreds of thousands of Americans begin to prepare for their first semester in college. They begin to seek out the items that will sustain them during dorm life. Parents spend money on new sheets, hot...
Helping Homelessness with Government Grants
 Poverty and homelessness in the United States and around the world is increasing on a daily basis. Here in the United States, rising housing costs and lower livable wages have been among the 2 biggest contributing factors. Lack of mental health facilities...
Social Security Disability Assistance
 Social Security Disability Insurance pays benefits to you and certain members of your family if worked long enough and paid Social Security taxes. Supplemental Security Income pays benefits based on financial need. If you need help and personal guidance...
Walmart Owes Money
Wal-Mart is a nationally recognized big box store offering low prices for customers who have everyday needs. The store employs more than 1.2 million people, and many of them are currently in a situation in which they could receive a big payout from the company for...
Social Security Disability Benefit Application Help
 There are several advantages to applying for Social Security Benefits online. There is no need for an appointment and it will definitely save you time. Visitng your local Social Security Office can be very time consuming and frustrating. Read the...
Lifeline Assistance Program
 There is now a program out there that can even help with your cell phone. The special government program called Lifeline Assistance that offers a free phone and minutes to those who qualify. Getting on the list is not very hard, but there are a few things...
Car Shopping and Ways To Pay for It
A franchised new car dealership is a reliable, if not the only, source for anyone who wants to buy a new car.  But to those who prefer buying used or previously owned cars, there are plenty of options and sources one could choose from to be able to make...
Finding Employment with Job Searches
Finding Employment with Job Searches Sometimes, life hits Americans hard. With ups and downs in the economy, it may be difficult to maintain consistent employment over a long period of time. Fortunately, there are options to help find a new job or career. In the...
Affordable Health Insurance
Is finding affordable health insurance as improbable as encountering a unicorn walking across your back lawn? It doesn't have to be. Here are seven steps you can take to lower your costs.   1. Understand your options to buying affordable health...
Run A Background Check When Applying for Jobs!
 Social media is everywhere in the air around us today. Hence it is natural for you to assume you can handpick and choose what you want your employees to see. Most people therefore imagine that once they clean up their Facebook wall and delete those...
How Do I Get FHA Refunds?
Although FHA refunds are for people who have FHA-insured mortgage loans, not everyone is entitled to a refund. Various factors are considered to determine who can receive a refund. FHA refunds are available for those who finance their homes within three...
How to Save Money on Your Kids Dental Bills
Your family budget might not extend as far as it used to. Still, you want your children to have healthy teeth and inexpensive kids dental bills. Learn how to save money on your kids dental.  Like Clean Teeth? Try the Dollar Brush!   Courtesy of Fox News Health...
Searching for Online and Freelance Employment
Searching for Online & Freelance Employment Many career fields and skills do not fall under traditional frameworks for employment. Writers, photographers, marketers, teachers and artists may be able to find work as online freelancers to continue improving their...
The Greatness of Good Friday
 What a supreme paradox. We now call the day Jesus was crucified, Good.Many believe this name simply evolved—as language does. They point to the earlier designation, "God's Friday," as its root. (This seems a reasonable conjecture, given that "goodbye"...
Five Great Resources for Working from Home
 There have been thousands of people watching “Good Morning America” who have sent us messages thanking us for helping them make the money while working from home. For anyone who hasn’t yet taken the leap forward but feel as though you might be ready,...
Government Grants Exposed
You and I have heard it all before, the man with the funny jacket on late night TV telling us that the United States government gives out over 30 Billion dollars in grants every year. And if we want any of that for ourselves, all we have to do is send him...
Low Income Families and Educational Help
Low Income Families and Educational Help It is a common perception that only the most gifted students are eligible for grants and scholarships to get them through the final phases of their education, and this then gives rise to the popular thought that those residing...
SNAP (Supplemental Nutrition Assistance Program)
The first nutrition assistance program was started in 1939. These types of programs were developed to help people during strenuous times and financial hardships. The program we know today (SNAP) was first introduced in 1961 as the Food Stamp Act that was...
Examine Failures and Find Inspiration
How to Examine Failures and Use it as Inspiration Sometimes, when we fail, it can feel like the end of the world. None of us like to be told that we are doing something wrong. None of us like to experience setbacks in our plans. It can make us question our self-worth,...

The Premier Forex League

Subscribe

Family Picnic

Enter Your Email for Best Results

Due to the overwhelming response, please enter your name and email to ensure the proper search results.

You Are On Your Way!

Family Picnic

Enter Your Email for Best Results

Due to the overwhelming response, please enter your name and email to ensure the proper search results.

You Are On Your Way!

Family Picnic

Enter Your Email to Receive New Assistance Updates

Due to the overwhelming response, please enter your name and email to ensure proper results.

Thank You! You will now receive the latest assistance updates!

Family Picnic

Enter Your Email for Best Results

Due to the overwhelming response, please enter your name and email to ensure the proper search results.

You Are On Your Way!

Pin It on Pinterest

Share This