refinance question

That is perfect advice. Go to the Fannie and Freddie Loan lookup sites to check who owns your loan. Then contact a lender in Fla to help you.

Yes, but only if your loan is owned by Fannie Mae or Freddie Mac.. the loan product is called HARP 2.0... 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

YES! You can verify your eligibility here:http://www.thefloridamortgagecenter.com/harp2_eligibility.htm

Possibly. Find out if your home qualifies under the HARP program. For Fannie Mae (FNMA) use http://www.fanniemae.com/loanlookup/For Freddie Mac (FHLMC) use https://ww3.freddiemac.com/corporate/. If it does, then find a local Mortgage Banker/Broker, rather than one of the big banks or big national mortgage factories. Unlike a bank employee, who is most likely just an order taker, a Mortgage Broker/Banker is Trained, Tested and Licensed in all aspects of Mortgage Origination. We have access to loan products of many lenders, not just those of one bank, and can better guide 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 888-889-9950

Hello, To answer your question, YES. Now this would depend on a couple of things.1. You may qualify under certain conditions for a HARP Loan.2. You can recapitalize your existing loan. (However this just isn't an option for most people.3. You may qualify for other loan options as well.To best answer this question a phone conversation would be needed. I would need to ask you some financial questions on a private venue to secure your personal information.I am available for consultation via Skype at: forresttrust or1.800.218.6402 x189Otto

Yes, but many lenders have overlays on the HARP program. I would check with a broker with many different lenders to send your loan.