TO qualify for the harp programs, does your mortgage have to be backed by fannie or freddie?

Yes, and it must have been initiated prior to June 2009 to qualify as a HARP eligible refi. .. 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 it does. There are also similar programs for FHA, VA and USDA Rural Development.

Yes, but most loan programs have something similar to help underwater borrowers under certain conditions if your loan is not Fannie or Freddie backed.

Yes

Yes, that is program.

Yes it does. Let me know if you need help checking that.Thanks,Dennis W ClarkFreedom Lending,LLCNMLS#13970402-333-5432dennis@mortgageloansofamerica.com

Yes, however there are other streamline options if you have an FHA or VA loan for example.

Yes, in order to qualify for HARP your loan must be backed by Fannie Mae or Freddie Mac. You also must have obtained the loan prior to June 2009.

As others have indicated, yes..... Your loan must have been endorsed by FannieMae or FreddieMac prior to April 2009. (not started or closed-- this is generally within a month of your actual settlement) Also VA and FHA have similar programs that allow for being upside down in your equity and/or having less income than one would normally need to qualify. I have quite a bit of flexibility in these areas and also lend nationwide. Please call or email if you are interested in discussing more details.Robert Hanson240-752-7549robhanson@emortgagegroup.com

Yes, your loan has to be owned by Fannie or Freddie.