HARP 2.0 without overlays?

So the real question is what road blocks are you experiencing?? HARP 2.0 has guidelines, however once your application is uploaded to the automated under writing system, if it comes out as an approval.. There are several lenders out there that will go with the findings... no overlays or additional restrictions... so you might be confusing DU findings with overlays.. Unless we have more information, it's hard to answer your question.. 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

Have you contacted a mortgage broker?

Please call me with your questions. We are a direct lender with Fannie and Freddie. Duncan 248-498-2837

We would love to help! We work with several different lenders who have expanded harp guidelines for ROAD BLOCKS!call me please Andrea Nations Lending 877.816.1220 xt 2214

I'd be glad to try to help you, give me a call at 734-395-9027Jack C dependableinc@yahoo.com

I'd be glad to try and help you call me at 734-395-9027Jack Cdependableinc@yahoo.com

email me at yourloanpartnerforlife@live.com i am a harp lender but i use private money, same rates but easier to get...

Without knowing what issues you're running into, it's hard to point you in the right direction or provide the solution to your looking for.

NO overlays? May as well be asking for the right 6 numbers for the Lottery. Every Lender has overlays, the question is what is your situation. The best solution is to work with a local Mortgage Banker/Broker, rather than one of the big banks or big national mortgage factories. Unlike a bank employee, who is most likely just an order taker, a Mortgage Broker/Banker is Trained, Tested and Licensed in all aspects of Mortgage Origination. He/She will have access to loan products of MANY lenders, not just those of one bank, and can properly guide you. In the case of HARP, they will have access to the differing overlays and can pick the right lender to fit you into. Don't forget to check out your selected Mortgage Originator at the National Mortgage Licensing System at www.NMLSConsumerAccess.org ~ Bert Carpenter, The LoansA2z team of NOVA Home Loans ~ NMLS 40586 ~ www.LoansA2z.com