is there a restriction on adding a spouse to the mortgage and qualifying for the Harp 2.0 program?

My guess is that you talked to a bank rather than a broker.. Most bank employees don't have the same level of training and education to properly advise borrowers regarding their specific scenarios... they can take an application, but all the other work is handled by other departments.. You're far better off if you contact a LOCAL mortgage broker and apply with them. Do not use the local "Big" bank, or one of those 50 states internet lenders or nationwide lenders...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. 480-287-5714 WilliamAcres.com

Not at all. You can Add or Remove a borrower under HARP 2.0. For example, some borrowers purchased their home on their own credit and then later married. Harp does not have a problem with that. Sometimes people have changed their situation (i.e. divorce) and they need to remove a borrower. Still no problem. Only one of the original borrowers must remain, but please keep in mind that they must qualify for the refinance under Harp debt-to-income guidelines.

No there is not. Can you provide any additional details so that I could assist you?

Per Fannie Mae Guidelines for Adding Borrowers:It is acceptable to add borrowers that occupy the property to the new loan provided the original borrowers remain on the new loan.I'm here in Massachusetts and happy to help you locally! Please contact me anytime. Thank you and good luck!

Freddie Mac Relief Refinance Program Guidelines for Adding a Borrower: * At least 1 borrower from the mortgage being refinanced is retained.* A non occupying co borrower may not be ADDED to the new mortgage secured by a primary residence.

NO... You can add or even remove someone under the HARP program. Understand that 80% of "Loan Officers" are unlicensed application clerks, not professional Loan Officers. The vast majority of these unlicensed application clerks work at banks. Always work with a LICENSED Loan Officer! www.HARP-Refiance-MN.com

I'm with William on this. Talk to a local lender that can help you. You can add and take people off a Harp loan.

HARP Guidelines will allow you to add a borrowr to the new loan AS LONG AS THE PREVIOUS BORROWER REMAINS on the the NEW loan as well.

Their are restrictions but you can do it.

No restriction to adding spouse but you must follow Fannie Mae guidelines in which other people have already outline to you.

It is NOT easy to Remove a borrower however, it IS easy to add a borrower under the HARP 2.0 program.