IF YOUR HOME’S VALUE IS LESS than the balance of your loan, help may be available. This can be true even if you’ve tired to refinance already and could not. The HARP Program has been rebooted making it more lenient, less expensive and more readily available to many homeowners who have been unable to take advantage of the low interest rates.

AM I ELIGABLE? The basic requirements are a Fannie Mae or Freddie Mac secured loan closed before June 1, 2009, with no late payments in the last six months and no more than one late in the prior twelve months. Though additional restrictions can apply.

HOME MUCH CAN I SAVE? This depends on your balance, term and interest rate compared with the new loan terms. Rates are competitive with regular conventional loans. Fees vary, yet these can usually be included in the new loan amount. You can often close with little or nothing out of pocket!

TO GET STARTED begin with your ONLINE APPLICATION, CALL 805.667.8465 or EMAIL  us to set up an appointment.