Any lenders that can do a Harp 2.0 refi after BK7 discharged 8/09?

Hello JamieWe do have a lender that underwrites HARP loans just as the guidelines are published. We can do a harp refinance after a chapter 7 bk has been discharged for atleast 3 years. Please email me if you are interested in moving forward.Vince SampsonNMLS ID 120630Branch Manager Equitus Mortgagevsampson@equitusmortgage.com

Well, I'm going to question all those saying yes, and because you're on an internet post seeking help tells me you've tried already without success... i have done nearly 70 harp loans out of 100 applicants, and I can tell you that if you had a BK in 09, more than likely the automated approval system, DU/LP, will not approve you.. Per the guidelines you might qualify, but you have to have an automated approval, and depending on your loan to value, credit score, income and ratios,...will all have different impacts to the approval system.. if you have good assets, low Loan to Value, and low ratios, and high credit scores, then you might be ok, but it's not a guarantee, since DU/LP doesn't like major derogatory credit. I'm a Broker here in Scottsdale AZ and I only lend in Arizona. If you or someone you know is looking for financing options, feel free to contact me or pass along my information. 480-287-5714 WilliamAcres.com

With HARP loans you are under the same guidelines that you would have with a conventional loan product. The only thing different is the loan to value on the home has more relaxed policies that will allow you to exceed standard loan to value guidelines. You will still have to credit qualify along with debt to income ratios, etc. The guideline after a BK is 3 years - so you will probably have to wait. You should use that time to get your credit over 700. Your best bet is to contact a mortgage professional in your area (even if you think it will be 3 years before you can do anything). A mortgage professional will give you good advice and help you put together a plan.