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.

 

How To Get Involved with Affiliate Marketing or Direct Sales
How To Get Involved with Affiliate Marketing or Direct Sales Life can busy and complicated. With increased costs in childcare, one parent must often stay at home to watch the kids while the other parent works. Or, as someone begins their adulthood, they may need...
5 Ways to Keep Your House During A Market Crash
Anyone paying attention to the housing market in the Los Angeles area knows that home prices have been at record highs. National Mortgage News suggests that this could be a housing bubble about to burst, and a decline in home prices and an increase in mortgage...
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"...
History of St Patrick’s Day
 St. Patrick’s Day is celebrated annually on March 17, the anniversary of his death in the fifth century. The Irish have observed this day as a religious holiday for over 1,000 years. On St. Patrick’s Day, which falls during the Christian season of Lent,...
Social Security Benefits & Retirement
Though all Americans look forward to the day when they can kick back in a lawn chair and spend time working in their flower gardens, retirement comes with many burdens. A fixed income or access to a 401(k) may not be enough to supplement the lifestyle many seniors are...
Receiving $4000 in Home Rebates
 Are there any home improvements that you have been contemplating lately? Are you struggling to make ends meet already? Learn more about three Programs a that could help you and millions of homeowners qualify for a $4,000 rebate. These Are Very Tough...
5 Strategies to Reduce Stress and Strengthen Family Relationships
 Stress is everywhere. You feel stressed at work and on your commute, and maybe even your home, the place that is supposed to be your sanctuary. When you arrive home from your job, you're met by bills that need to be paid, children that need to be fed and...
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...
Car Loans Approved Today!
Drivers will be excited to hear that the cost of a vehicle has started a downward plunge making it even easier to get the car loans you have always wanted. According to predictions by GasBuddy, the average price for a gallon of gasoline is set to fall...
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...
The AHCA Impact on Medicare & Medicaid
The Impact on Medicare & Medicaid The repeal and replace legislation concerning the Affordable Care Act (ACA), or Obamacare, seems complicated for many consumers. Though it will likely see changes as it is debated in the Senate, the American Healthcare Act (AHCA)...
You Can Save Money on Your Monthly Bills By Reading These Tips
When you add up the total cost of your monthly utility bills, you may be astounded by how expensive utilities can be. This may be particularly true during peak usage months in the height of summer and in the dead of winter. You and your family...
How to Find Bargains at Flea Markets
I love to spend hours looking at flea markets for different items. Different vendors set up their products in a central location so that consumers can spend their time walking around and see the new and used items available for sale. You never know what you will come...
Modern Millionaires Mindset
Here’s A Modern Millionaire Rhetorical Question:   If you have a spare million dollars in your bank account today… How will you spend it? Pay off all your bills and loans? Buy your dream car? Dream house? Give your family a better life? Travel all...
Rent Assistance and Low Cost Housing
With todays economy fluctuating , many individuals and families are struggling to pay bills in a timely fashion, including their rent. The good news is that there are a variety of options available to anyone who is facing late fees, court dates or even...
Which Student Loan Repayment Options Work for You?
Which Student Loan Repayment Options Work for You? The student loan process can be tricky and difficult to understand. Students often overlook the process from the beginning of college until graduation, never realizing the impact of the loans until payment become due...
Feeling Lost? Free (Or Cheap) Career Assessment Tools
In today's world, more people are struggling to pay/find for housing, medical bills, education, and other aspects of life. As a result, embarking on a new career is becoming a popular option to better themselves and their families. However, when choosing a new career,...
5 Strategies to Save Money on a Shoestring Budget
 If you are one of the many people who live on a tight budget, you may feel the stress of your situation on a daily basis. Even a seemingly small issue that arises and has reasonable expenses can throw your budget off track. Reducing your costs is a great...
The Best Self Help Gurus
In the world today, it is easy to come across scammers looking to take advantage of people in their weakest moments. The realm of self-help is no different. In fact, it can be much worse. Self-help scammers apply abstract concepts so that unsuspecting people will fork...
Unsecured Personal Loans
Unsecured Personal Loans are those that do not have any collateral attached to them. This type of loan is often easy to get, but know in advance you will be paying a higher interest rate on the loan.This is because there is a great risk of non-payment due...

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