Does it sound like we would qualify for a refinance?

Hi Richard.It does sound like you should at least look at the option of refinancing. Our HARP loan rates are even lower than our normal Conventional rates. If you have a FHA loan right now, then I would wait until June to refinance, as the mortgage insurance premiums will be drastically reduced. If you have a VA loan right now, it would definitely be something to look at doing. I would be happy to take a look at it with you. Stonegate has a policy in place that allows you to send me any written offer from another lender and we will beat that offer. Rarely do we ever need to use it. We are VERY well priced and our rates and payments are lower than lenders in your area. I can be reached at 614-310-7520. Patrick McCarthy

I can help you with this. I can look up your current mortgage for you to see if you may qualify for the HARP refinance loan. ENG Lending, A Division of Bank of England, always puts your best interest first. We would appreciate the opportunity to serve you. Please visit us at www.cincinnatimortgagerate.net. You will soon find that we are so much more than a Mortgage Banker; we are a company that is dedicated to empowering our clients and referral partners. Don't forget to visit our Facebook Fanpage at http://www.facebook.com/pages/ENG-Lending-Cincinnati/171183536269710?sk=wall Or Call Anytime 513-403-6260

Under the HARP 2.0 program, it's possible you won't even need an appraisal. Your credit scores are sufficient, and looks like your ratios are good.. so I would say you will be OK... The best advice I can give you is to contact a LOCAL mortgage broker, not the local "Big" bank, and certainly not one of those 50 states internet lenders...By applying with your LOCAL Broker, you have an advantage because he's familiar with local customs and works with numerous lenders, seeking out the best loan terms for your particular scenario. Because he has lower overhead, he can offer you lower rates and lower fees than most of the larger lenders.. 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

If your current loan is either Freddie Mac or Fannie Mae, then you may be eligible under the HARP program. The easiest way to find out is to go to their websites to check your loan. For Fannie Mae (FNMA) use http://www.fanniemae.com/loanlookup/ For Freddie Mac (FHLMC) use https://ww3.freddiemac.com/corporate/. ~ Bert Carpenter, The LoansA2z team of NOVA Home Loans ~ NMLS 40586 ~ www.LoansA2z.com

Hey Richard-I agree with the responses below. To better answer your question I would need to know what type of loan you have now to see what your options might be. Bascially, you current loan would fall into three categories which would be FHA, Conventional, or VA. Of these three loan types every single one of them offers a no appraisal option (unless you have a conventional loan not held by Fannie Mae or Freddie Mac) where the current home value would not be considered. Your current interest rate is high and the market is much lower at this time. Please call if you would like some guidance. 877-816-1220 Ext. 2213 Mike Woodring NATIONS LENDING CORP.mike.woodring@mynlcorp.com

Sounds like a HARP 2.0 deal to me.