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Refi with HARP Program



Does a consumer have to use their current lender for HARP loan?
By: Mike Buckner
One of the most frequently asked questions regarding the HARP program, is whether or not the consumer has to use their current lender to participate.

Thankfully for consumers the answer is NO.

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HARP 2.0



HARP Versus HARP 2.0
Mike Buckner

Millions of homeowners have found themselves in a real predicament when it comes to their home value, they lost it! The bursting of the housing bubble caused 11.1 million, or 22.8 percent, of all residential properties with a mortgage to have negative equity. An additional 2 to 3 million consumers have less than 5% equity. This is obviously a huge issue that has had rippling effects throughout the U.S. economy.

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HARP Refinance…



Home Affordable Refinance Program (HARP)
Mike Buckner

If your home’s value has dropped in the last few years, the Home Affordable Refinance Program, effectively known as HARP and HARP 2.0, has been designed to help bring what you owe and what you pay on your home more in line with its current value.

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Choose a  HARP Lender



How to choose a HARP lender?
Mike Buckner

Most consumers already consider refinancing a mortgage to be a worrisome and frustrating process. This perception is exacerbated when a new government program pops up, like the Home Affordable Refinance Program (HARP), which has left many eligible consumers with more questions than answers. Don’t worry, our comprehensive network of lenders will provide complete up-front disclosure of your options, but you should still do some homework on choosing a lender.

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Surge in HARP Loans



Mortgage Rates Drop: Harp Loan Applications Surge
Mike Buckner

Mortgage interest rates continue to move deeper into record low levels this week. The most popular type of mortgage, the conforming 30-year fixed fell by 4 basis points to 3.70 percent. Conforming 5/1 Hybrid ARM rates dropped by 3 basis points to 2.78 percent. These rates are new record lows for both products.

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Fears



Mortgage Rates Slide Further Over European Fears
Mike Buckner

Mortgage rates have continued to improve this week hitting all time lows amid the European market turmoil. Many experts predict that if the demand for the U.S. dollar continues, rates could stay low for the foreseeable future.

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The History


The History of the Home Affordable Refinance Program (HARP)

Mike Buckner

The Home Affordable Refinance Program, better known by the acronym HARP, was created by the federal government to help stabilize the housing market, provide relief to homeowners, and add more money back into the economy. When consumers save money, they ultimately spend more money which allows the economy to expand.

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Warning


Warning Signs That You’re Being Scammed
Mike Buckner

A mortgage is typically the largest financial transaction that most consumers will experience in their lifetime. Mortgage interest rates are at an all time low and many consumers are wisely taking advantage of the savings created by refinancing or securing themselves a lower than ever payment on the purchase of a home.

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