I am looking for Harp 2.0 lender in Georgia. I have been denied due to high LTV.

I personally can't help with that scenario but others will be able to. You may want to talk to you current lender, others may be able to help but because of the LTV, the current lender is most likely to have options for you. Then compare their offer with others you receive - but make sure it the information is received at the same time. Yesterday we had 2-3 changes in interest rate (increases) in a matter of hours.

I can only lend in California but you should reach out to a Mortgage Broker who has access to several mortgage banks who can do the legwork and find a lender who can do a Freddie Harp 2.0 with unlimited LTV. Good Luck.

The best bet is to contact a LOCAL mortgage Broker, not a bank, not your current and certainly not one of those 50 states or internet lenders... the LOCAL broker is familiar with local customs and can find the right loan for your particular scenario.. I can tell you that there are lenders out there doing unlimited Loan to Value, so your local broker can probably place your loan. WilliamAcres.com

You may have to be patient. Not every lender has jumped on board the HARP train. Those that have seem to be taking a more conservative position. There are only a couple of lenders out there that will consider a LTV greater than 150% UNLESS they are already the servicer. But it does seem that every week more and more jump on board. Contact a local Mortgage Banker /Broker. DON'T use one of the big banks, DON'T use one of the big national Mortgage factories, and DON'T use the people you are currently making payments to. Because a Mortgage Banker/Broker is not married to just one lender, they will have access to those with terms that will work for you. Make sure you 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