How do you know what the Harp rates are?

You need to speak to a mortgage professional so they can help you with your rate question as there are certain adjustments that must be calculated into the rate quote, so you'll need to provide more details to the mortgage professional before they can quote you an accurate rate. Good Luck!

Once you speak with a local loan officer, give them all of the information they need to give you a proper rate quote. I will say I find in my experience HARP rates to be better than regular conventional loans. Good luck, Sean

The best way to get an accurate quote based on your specific loan scenario is to contact a LOCAL mortgage broker and apply with them. 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. William J. Acres, Lender411's number ONE lender in Arizona. 480-287-5714 WilliamAcres.com