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March Madness – New No Equity Refinance Program Kicks Off!

March 5, 2012

Are you an underwater homeowner? HARP 2.0 Refinance Program could help you.


  1. Your loan must be owned by Fannie Mae or Freddie Mac.
  2. You must be current in your loan with zero late payments in the last 6 months and no more than one late payment in the last 12 months.
  3. Qualification is based on credit and income.
  4. HARP 2.0 is only for ‘Rate & Term’ Refinances.
  5. Second homes and investment properties are eligible for HARP 2.0.
  6. For first mortgage liens only.
  7. The HARP Program is available for loans that were closed prior to June 1, 2009.
  8. There is no loan-to-value cap anymore for borrowers who now have fixed-rate mortgages.
  9. For borrowers with ARMs, the loan-to-value cap remains 105 percent.
  10. The program is available from March 1, 2012 through December 31, 2013.

Not sure if Fannie Mae or Freddie Mac own your loan? You can do a search under Fannie Mae HERE and a search under Freddie Mac HERE.

You can read more about HARP 2.0 here.


First, complete a loan application on our website
-Go to
-Click on Apply Now at the top
-Scroll to the middle of the page and Click on 3. Full Application
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