how do i go about getting a waiver for my HARP 2 appraisal and at what point in my refi do i make the request?

The appraisal waiver(if issued) is part of the lending decision your lender obtains when he first enters your file into the Automated Underwriting System (AUS) for your particular loan product.. This is done by your lender and it's nothing you have to worry about.. if the system calls for an appraisal, then your lender should be able to message the numbers and possible get the waiver.. if they are unsuccessful, then you will need to have the property appraised.. .. 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

JB, If you'd like, I can help determine if you will need an appraisal for a HARP 2 refinance. That would require you to make at least a preliminary application so that I can run your scenario through the underwriting system (computer program from either Fannie Mae or Freddie Mac). My experience is that Fannie Mae loans are more likely to get the waiver, while Freddie almost always requires one. Apply on my website: http://pdumouchel.primelending.com or give me a call at 843-619-6025 and I'll be happy to take your information over the phone.