Global Mortgage: HARP Loans San Diego
Are you up to date with your mortgage payments, but still struggling to qualify for traditional refinancing? Even if you can afford your monthly mortgage bills, you may be struggling to pay other debts and regular monthly needs. If you find yourself in this situation, you may be eligible for the Home Affordable Refinance Program (HARP). HARP Loans San Diego is a government program that helps homeowners like you to get back on their feet and stay current with their mortgages and other monthly payments. We can help you figure out if you qualify for HARP Loans San Diego. To get started, have a look at the eligibility questions below. If you can answer “yes” to all of these questions, you may be able to participate in HARP and catch up on your other monthly finances.
- Is your mortgage owned or guaranteed by Freddie Mac or Fannie Mae?
- Was the mortgage sold to either Freddie Mac or Fannie Mae before May 31st of 2009?
- Is your current loan-to-value (LTV) ratio higher than 80%?
- Do you have a good payment history on your loan for the past twelve months or more?
- Are you current on your payments?
Additionally, your mortgage must not have been previously refinanced, unless it was under HARP in 2009 from March to May. An exception is made for that time period, as a number of reforms were going into effect during 2009. If you meet all of these requirements, the HARP loan program may be able to help you.
In order to get a San Diego HARP loan, your mortgage company will need to be a HARP participant. We can help you figure out whether your mortgage company is owned or guaranteed by either Fannie Mae or Freddie Mac. We can then contact them on your behalf to talk about San Diego HARP refinancing and your eligibility for the program. We can also research other mortgage companies to see if another refinancing option might be more suitable and result in the best terms.
What Is HARP Loans San Diego?
We regularly encounter San Diego residents who have no idea that programs like HARP Loans San Diego are available to assist them. If you think that you qualify for HARP, there is a good chance that you do. Even once you find out that you are eligible, you may still encounter roadblocks along the way without the assistance of a mortgage broker. With our help, the process can move forward smoothly and quickly, and you can enjoy the benefits of HARP refinancing as soon as possible.
Are you ready to refinance your home through HARP? Do you have questions about eligibility and what we can do to help? We would love to hear from you and see what we can do to assist you. Please contact us at (619) 692-3630. We look forward to helping you with HARP or other refinancing for your San Diego home!