HARP 2 LOAN PROGRAM
HARP stands for Home Affordable Refinance Program. As you can tell by its name, the program is designed for homeowners who are struggling with their current loan programs. Your financial circumstances may have changed, or you may have incurred unexpected expenses – regardless of why you are struggling, rest assured that the HARP 2.0 is available to most homeowners nationwide.
Contact C2 Financial Corporation – Dino Palmieri to learn more about HARP 2.0 and get started today. We will guide you through the program – who it’s made for and what it can do for you – and if you fit the criteria, we will help you get underway, and above water on your mortgage payments.
Call (866) 303-7050 or click button below to get started today.
DO YOU QUALIFY?
There are four primary criteria points that must be met in order to be accepted for HARP 2.0.
Your mortgage is done through Fannie Mac or Freddie May
– most commonly, conventional loan programs are handled through these two private government-backed companies.
Your mortgage was signed on or before May 31st, 2009.
There are options available if you signed before that, but HARP 2.0 applies only to loans signed afterwards.
Your LTV (loan-to-value) rate is more than 80%.
Use an online calculator to figure this out, or contact us and we will do it for you.
You are up to date on your payments.
You may not apply for HARP 2.0 if you made a late payment in the last 12 months or if you have made a late payment by more than 30 days in the past six months.
If you are unsure if you meet the above criteria, contact us and we will give you a sure answer.
When Pasadena Residents Might Apply for HARP 2.0
Are your interest rates out of control? If you feel you are paying far too much in interest, you may look into HARP 2.0 to reduce those rates, no matter if they are fixed or adjustable.
Are your monthly payments too high? Does your mortgage cut into your finances that you struggle in other parts of your life? If you feel it does, you may look into HARP 2.0 to free up funds for expenses and other debt payments.
Do you want to shorten the term of your loan? If you feel you will be paying off your mortgage forever, you may look into HARP 2.0 to shorten your loan and pay better interest rates.
Is your mortgage no longer compatible with your earnings? If your debt seems unstable and out of control, you may apply for HARP 2.0 to make your loan fit in with your current job and paycheck.
Most Common Reasons to Apply
When you apply for a Pasadena conventional loan, you will need to provide documentation to prove your income and your ability to pay. Expect to submit information such as the following…
- Unfeasible adjusted-rate mortgages. You may have taken a poor loan offer when you first bought your house, and your adjusted-rate payment may be much higher than it was when you first signed.
- Property devaluation. You may be suffering from high payments on a house that has gone down by 10%, 20% or more.
- Non-qualification for loan modifications.* If you have applied for private adjustments but been denied,
the governmental program may be able to help where private companies failed you.
- Non-qualification for loan modifications.* If you have applied for private adjustments but been denied,
- Inability to pay. You may be incurring extra fees by being unable to pay your mortgage and digging an even bigger hole to climb out of.
WHAT TO DO NEXT?
Check out our other loan programs below and see which one fits your needs best.
GET STARTED NOW
Contact C2 Financial Corporation – Dino Palmieri to get started with HARP 2.0 today. We will guide you through the program and what it can do to help you, and we will also go through your specific mortgage to ensure that you are eligible. If you are, we’ll get the ball rolling. If you’re not, we may be able to help you get a better mortgage through another program, either public or private. Either way, you can expect lower interest rates, a manageable monthly payment, and stress-free ownership of your home.
Click here or call Call (866) 303-7050 to get started now.