Does the Harp program allow for a co signer to improve chance for approval?

Harp Guidelines are flexible, I would like to see your total financial situationSun National Bank is a Federally Chartered Bank who can lend nationwide. To better help you, I would like to see your financial situation.Please send me the following information for all borrowers:1. 1 Month of current pay stub's2. 2 Year W-2 Income Statements3. 2 Year 1040 Federal Tax Returns4. 2 Year Business Tax Returns (Business Owners Only)5. 3 Months of current Bank Statements (if you own a business)6. Copy of Drivers Licenses Please forward them to:James Mazzola8 Matthew AvenueKendall Park, NJ 08824jmazzola@sunnm.com or cornoil@comcast.netIf you have any questions, please do not hesitate to contact me:(O) 973-805-4107(C) 732-501-4249(F) 732-951-0629Thank you,James Mazzola

Lenders will almost always use the lowest middle score to determine eligibility. Meaning a co-signer with better credit won't help, they'll still use your lower score. Typically a co-signer is best used to lower the overall debt to income ratio. HARP isn't going anywhere in the short-term, work on your credit and you'll get the loan done in time.

Check with the company that currently owns your mortgage, under the HARP program, there maybe an opportunity for you-The Lender will always go with the middle credit score of the Lower scored borrower-Good Luck,Pete

Work on your credit first.

Co-Signers are fine but Mortagge loans are base on the lower of the middle scores of both borrowers.

Hello,Lenders will still use your middle credit score since it is lower than your mothers. Yes S.S. Income is grossed up.