How do I go about starting the process for a HARP loan?

The first step would be to find a HARP lender because not all lenders offer them. You should not find it difficult, though. Generally, the only difference between lenders is how much underwater you may be. Some HARP lenders do not offer unlimited Loan-to-Value. The remaining part of the refinance is very easy and generally an appraisal is not required. Please feel free to contact me through my profile if you would like more information.

You start by contacting a LOCAL mortgage broker and apply with them. Once they see your complete loan profile, they will be better equipped to advise you properly. Also, by applying with your LOCAL Broker, you have an advantage because he's familiar with local customs and works with many lenders with each one offering a different type of lending program. This is unlike the local bank which typically only has a few lending programs. The more lenders, the more lending options, and the more likely your scenario will be accepted.. Plus, the broker is experienced in seeking out the best loan terms for your particular scenario, and he has lower overhead which typically results in lower rates and 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. William J. Acres, Lender411's number ONE lender in Arizona. 480-287-5714 WilliamAcres.com NMLS# 226347

The best bet is to contact a mortgage BROKER in your city and state. So google Mortgage Broker in Apple Valley, CA. I too am a mortgage broker and the majority of my lenders offer HARP. If you go to a source where the lender only has a couple of sources you will be more limited. Most of the values have steadily increased over the years so you should not have an issue with your loan to value exceeding what is needed.But definitely contact a qualified mortgage broker in your area.