HARP 2.0 Making Home Affordable Refinance for Louisville Kentucky Mortgages
Determine if your mortgage is owned by Fannie Mae.
Go to www.fanniemae.com/loanlookup
Submit your personal information
Documents needed for final HARP approval:
– 2011 W-2s
– 2011 Tax Returns
– Current pay stubs (last 30 days)
– Current bank statements (last 2 statements, ALL PAGES PLEASE)
– Copy of original NOTE
– Copy of driverʼs license
Fax or scan the above-mentioned items to me at:
Fax: 502-813-2795 or scan to kentuckyloan@gmail.com
Please do not hesitate to contact me directly if you have any questions!
Or Call at 502-905-3708 with questions or to apply over the phone for free.
Home Affordable Refinance Program (HARP) for Louisville Kentucky Mortgages
If you’re not behind on your mortgage payments but have been unable to get traditional refinancing because the value of your home has declined, you may be eligible to refinance through MHA’s Home Affordable Refinance Program (HARP). HARP is designed to help you get a new, more affordable, more stable mortgage. HARP refinance loans require a loan application and underwriting process, and refinance fees will apply.
+ Eligibility
You may be eligible for HARP if you meet all of the following criteria:
- The mortgage must be owned or guaranteed by Freddie Mac or Fannie Mae.
- The mortgage must have been sold to Fannie Mae or Freddie Mac on or before May 31, 2009.
- The mortgage cannot have been refinanced under HARP previously unless it is a Fannie Mae loan that was refinanced under HARP from March-May, 2009.
- The current loan-to-value (LTV) ratio must be greater than 80%.
- The borrower must be current on the mortgage at the time of the refinance, with a good payment history in the past 12 months.
*Eligibility criteria are for guidance only. Contact your mortgage servicer to see if you are eligible for HARP.
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Refinance Calculator : Fannie Mae
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HARP 2.0 Refinance Guidelines for Kentucky Mortgages
by Louisville Kentucky Mortgage
HARP 2.0 Refinance Guidelines for Kentucky Mortgages.
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