The best advice I can give you is to contact 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
If you need help you can call me at 785-273-5004 or email at kdwall@KDWallStreet.com. Located in Topeka. I grew up in Clay Center so I am familiar with Waterville.
HARP refinances are relatively simple and quick. You should contact a few lenders and interview them and compare rates. There is no need to have your credit report run by each of them in order to do this. Pick the lender that understands your scenario and then begin the process.
HARP loan are great, I would contact a local mortgage banker/broker.
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