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President Obama's Housing and Economic Recovery Act (HERA) has allowed Wells Fargo to be able to offer the HARP (Home Affordable Refinance Program). This program allows borrowers whose loans meet the following criteria to refinance thier loans regardless of their current credit score and value of their homes (to a maximum loan value of 105% of their home value).

The impact is huge as homeowners in Mint Hill and around the country who have seen the values of their homes fall, along with their credit scores, are still able to benefit from the historically low interest rates we are experiencing.

The criteria are as follows :

--> Conforming loan amount where the first mortgage was originated without private mortgage insurance

--> Fannie Mae or Freddie Mac was is the investor (i.e. not FHA or VA loans)

--> No late mortgage payments in the last 12 months

For more information, contact Rich Ferretti

Would you like more information about the Charlotte area, or Mint Hill real estate market? Check out www.richferretti.com