What would be the best way to save money when refinancing?
When you ask what options do you have, what specifically do you mean? The short answer is "apply for a refinance loan," but I'm not sure that's what you are looking for. :)Depending upon your current rates it might not even make sense to refinance. It just takes about 10 minutes on...

Refinancing my home with 706 credit score
Is there a reason you think you might not benefit? Make an application and go for it while rates are low. Depending upon how long you've been paying on the current loan it might make sense to go to a 20 or 15 year loan. We just locked two clients this week that traded down from 15 year loans to 10!

Can I take advantage of the HARP refinance yet?
Jenny, it's possible your current lender only can process a HARP refinance over 125% of value. The current servicing lender is allowed to process a manual underwrite of the loan and they are not limited to the 125%. The key word is "allowed," as many of the servicing lenders are...

Am I able to do a HARP 2 refinance with my status?
Joe, HARP 2.0 does not specifically require a certain level of income in order to qualify but it's possible the lenders will be skittish of the new self-employed status. The tough part is you won't know until your file is in front of the Underwriter. Any guess prior to that are just guesses. You...

Would e be able to do cash-out using no LTV limit of HARP2?
Sorry Eduard but HARP is only to refinance your existing mortgage. You can not pull cash out. http://theloanconsultant.com/obamarefinance

Which lender has most experience with Harp 2? or does it matter?
Can't use HARP more than once. It won't work

Can I do a HARP refi even if I had a LPMI late 2011?
William's answer is on the money. If you'd like to explore your options with a local Spokane based lender give us a call at 509-252-9151. We'd be honored to explore what options you might have.

Hello, Fannie Mae has me at a EA 3?
HARP 2.0 is one of the worst implemented programs I've seen in my 22 years of lending.Your credit union and broker can't do it because they aren't selling to a lender that will take the EA3 files.We do. In fact, all of my HARP 2.0 loans are currently Expanded Approval files. If you'd like...

Can I refinance my mortgage with 625 credit?
Hansha, have you looked into Making Home Affordable Refinance at http://www.seattleharprefinance.com? There are NO FICO requirements for that program. As others have accurately stated you are not automatically disqualified due to the 625. We'd be happy to discuss if you'd like. ...

Locked in refi rate, payed appraisal, delayed closing 75 days re-ran credit, and DONT qualify?
The crux of the matter is you chose to work with a lender that treated you that way. There should have been no misunderstanding about how the lock works, what your options for extending the lock were, and the fact the appraisal was non-refundable. That was a poor loan officer you were working with...

Does a BK7 mortgage have to be RE-AFFIRMED to get a Harp 2.0 refi?
HARP eligibility rules can be found here - http://www.seattleharprefinance.comIt's going to be tough as guidelines state no late payments within 6 months. Best bet, if it's even possible, will be to get payments current for the next 6 months and then apply with your existing lender....