I have no equity in my home so I cannot pull cash out. But I have got back current since i have been in the HARP program. I saw an add on Facebook, said I can save up to $2,400 a year with HARP. Is there anyone that can help tell me more about this?

HARP ended December 31st, 2018.... the program is no longer available.. Also, HARP was a one time refinance program, so even if it were still available, since you already used HARP to refinance, you wouldn't be able to do it a 2nd time. However, assuming you have sufficient equity, you can refinance. For conventional, your maxed out at 95% loan to value, for FHA, you can go 97.5% LTV.. Understand that there must be a "net tangible benefit" to you.. meaning, you have to be saving money each month.. I'm a preferred Lender with California and Arizona being my primary markets. 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 NMLS# 226347 / LendUS, NMLS 1938/ AZMB0121893

HARP ended back in December 2018. Even with that said, that "ad", without even seeing it, reeks of unrealistic false advertising designed to capture your attention. Sure, refinancing can potentially save on your monthly payment at $200 a month. Maybe it is $300, maybe it is only $25. Every client is different.