Home Value Upside Down Home Loan-Refinance Today-HARP II

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HARP II

Is your home worth less than you owe on your mortgage? If so, you are not alone. Fortunately, there is a new home loan program designed just for you! The HARP II loan program is here! Let us help you lower your mortgage payments and interest rate today.

Have you been turned down by your own lender? Has your loan been declined by other lenders? No problem. Not all HARP II lenders are the same. Many of them limit the loan to value ratio to as low as 105% and that may be why your loan was declined. Not the lenders we work with. We work with lenders that approve loans many other lenders will not touch. And no, not at higher rates than everyone else is getting; but at interest rates that are nearly the same as those everyone else seems to be getting! Yes, that’s right, even though your home is way upside down, you may still have the opportunity to take advantage of the low interest rates that are available to those whose homes are not under water.

So if you are still reading this article, chances are that the amount of your mortgage is higher than the value of your home. So, how much higher is it? 25% higher? 2 times the value of your house? 3 times? Believe it or not, there is a very good chance that we have access to a lender that will still approve your loan! And not at high interest rates, but at rates that are nearly the same as those a comparable borrower with an 80% loan to value ratio would get.
For example, let’s say your home is worth/has a value of $200k. Is the balance of your home mortgage $400k? That’s a 200% loan to value ratio. No problem.
For example, let’s say your home is worth/has a value of $125k. Is the balance of your mortgage $375k? That’s a 300% loan to value ratio. No problem!

Of course, you must meet certain requirements to qualify for the loan. There is no “catch.” It is simply the same case as it is with all loans – there are certain requirements that you must meet to qualify for a loan. For example, one of the criteria is that your income must be sufficient to afford the monthly mortgage payment. Fair enough, right? Please call us today for a free analysis of your situation and determination of whether we can find a solution custom tailored for you to help you start saving money as soon as possible – 941-795-7525.

Our goal is to help those with underwater homes, upside down homes, homes with the mortgages higher than the value of the home, home value upside down home loans, home value underwater home loans. We realized that there are many of you out there in our community. Let us help you.

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Refinance? Short Sell? Foreclosure? What Should I Do?

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Refinance? Short Sell? Let It Go To Foreclosure? What Do I Do?

Is your home worth less than your mortgage(s)? (Is your home underwater, upside down mortgage?) Are you having trouble making your mortgage payments? Are you unsure whether you should 1) refinance your mortgage to lower your interest rate and lower your monthly payments, 2) short sell your house, 3) let your home go to foreclosure. If so, you are like many others is our community that are facing similar financial challenges. These questions are not easy to answer. Fortunately, as a real estate lawyer and mortgage consultant, I can help you navigate your way through the minefield of issues involved in making your decision and I am happy to be in a position to do so.

HARP refinance loans are here! Now you may be able to take advantage of today’s lower interest rates and lower your monthly mortgage payments! A new government sponsored program allows many homeowners who owe more than their home is worth to take advantage of today’s low interest rates to lower their monthly mortgage payments! So why wait, call us today for a free consultation and evaluation of whether you may qualify for this life-changing program. Prior to this program release, many people were stuck with their high monthly mortgage payments and no way out. Not anymore. Start saving today! Call 941-795-7525 for a free consultation. Your Sarasota, Bradenton, Manatee County, Florida, mortgage company assisting customers whose homes are underwater, who have upside down home loans-upside down mortgages, home loans that are higher than their home is worth look forward to a richer future! If you find yourself saying “my home is worth less than my mortgage”, “my home is upside down”, “I can’t afford my payments”, “I need to lower my mortgage payment”, “I want a lower monthly payment”, “I want a lower interest rate”, then call us today. We can help! HARP loan, HARP mortgage loan, HARP home loan, HARP refinance, upside down home loan, mortgage Sarasota Florida, mortgage Bradenton Florida, refinance Sarasota Florida, refinance Bradenton Florida.

Harp Loans are here

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HARP loans are here! Is your home value upside down? Do you owe more than your home is worth? No problem! You may be qualified to take advantage of a new government sponsored loan designed to provide refinancing to primary residence homeowners who owe more on their mortgage than their home is worth. Refinance today to lower your interest rate and monthly mortgage payments. Start saving money now with a HARP home mortgage loan.

Before these new government sponsored programs recently became available, if the mortgage balance on your home was greater than the value of your home, refinancing was not available. For example, if the interest rate on your mortgage loan was 6% and the current interest rates were 4.5%, you could not take advantage of the lower rates by refinancing if your home was worth less than the mortgage amount. You were not eligible to refinance because your loan to value ratio was over 100% and the loan programs did not allow loan to value ratios of over 100%. Now, that has all changed! If you otherwise qualify for the loan you can refinance to the currently available and historically low interest rates by refinancing under the HARP loan program to lower you payments and start saving money!

Call today for a FREE consultation to see if you qualify for this money saving new program -941-795-7525.

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