For a HARP Program Refinance Loan, how do I know if Fannie or Freddie has my Florida mortgage?

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Additionally, there is a loan age requirement for the new programs that didn’t exist under HARP. Fannie Mae and Freddie Mac require underwater loans to be at least 15 months old before they can.

The Home Affordable Refinance Program even allows people who are underwater on their mortgages but current on payments to refinance to take advantage of lower interest rates. HARP loans have to be.

The Freddie Mac enhanced relief refinance Mortgage provides opportunities to borrowers with existing Freddie Mac mortgages who are making timely payments, but are unable to take advantage of the standard Freddie Mac "no cash-out" refinance offering because the new mortgage exceeds maximum loan-to-value (LTV) limits.

Four MI Requirements for HARP 2.0. It is up to the lenders to offer the best package possible, although there is not much flexibility. When looking to refinance your loan through the HARP program, you will need to find a lender that works with Fannie Mae or Freddie Mac and your mortgage insurance company.

A critical part of Fannie Mae’s role in the Making Home Affordable Program is the Home Affordable Refinance Program (HARP), available for refinances of existing Fannie Mae (and Freddie Mac) loans. The goal of the refinance effort, as announced by the President, is "to provide access to low-cost refinancing for responsible homeowners suffering.

The HARP program, designed to help homeowners who owed more than their homes were worth, is no longer available as of Dec. 31, 2018. Fannie Mae’s High Loan-to-Value Refinance Option and Freddie.

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Your mortgage being refinanced must not have been previously refinanced through HARP, a federal program launched in 2009 that expired on December 31, 2018. Enhanced Relief Refinance may help you obtain a monthly payment you can afford, and will result in one or more of the following: A reduction in your mortgage rate and or your monthly.

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So how do you know if you qualify? Under HARP 2, here are the requirements: If the loan is owned by Fannie Mae or Freddie Mac; the loan was delivered to either mortgage aggregator by June 1, 2009 or.

Welcome to our week-long series on refinancing your mortgage. In this fourth of five articles, we look at some obstacles to refinancing and how to overcome them. by Fannie Mae and Freddie Mac,