Does West Virginia have D/I requirements for the same servicer streamline HARP refi program?

It depends on the particular lender and what they may have for "overlays" for debt-to-income ratios. In terms of what the HARP guidelines are for Fannie or Freddie, your location makes no difference. The HARP guidelines are not regional or state-specific.

Fannie Mae has their own set of rules and then each investor/lender has their own set of overlays. WV has nothing to do with it, and it usually doesn't matter if you are HARPing with your current lender or not. If they have a particular DTI cap that you exceed, you will not be able to use them. Instead, find a local Mortgage Banker/Broker. We have access to many investors/lenders and can probably find one you fit into. ~ Bert Carpenter, CMC, CRMS The LoansA2z team of NOVA Home Loans ~ Licensed in California and Arizona ~ NMLS 40586 ~ www.LoansA2z.com ~ 888-889-9950

Every "reads" the HARP "rules" online. The problem is you don't get to work with Fannie Mae or Freddie Mac. You have to go to a lender, who will do the loan, and then later on sell it to Fannie or Freddie. Lenders and Fannie Mae and Freddie Mac don't necessarily see eye-to-eye. So just because Fannie Mae or Freddie Mac say "they" will "buy" a loan written one way, lenders have huge risk, and may have additional rules. This is commonly referred to as "lender overlays". Most overlays are very similar from lender to lender, but in some cases, you can have huge differences. Contact a local NON-bank licensed loan officer in your area...

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