chris brown: Will Florida HARP Lenders allow me to roll in closing costs? - 04/29/13 09:47 AM
“Can I roll in my closing costs?” is the #2 question regarding a Harp 2 Refinance in Orlando, Florida that we get. [What is the #1 Question about a HARP Refinance?] In most cases this is not an issue at all for Orlando real estate owners. Fannie and Freddie DO have different rules on rolling in costs, so let us know whether you are backed by Fannie or Freddie so that we can offer our very best advice.
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chris brown: Do I have to use my current lender to get a Orlando, Florida HARP Refinance? - 04/29/13 06:46 AM
The answer is no. Many banks are telling Orlando HARP Refinance seekers that call them about HARP, things that are misleading, to say the least. It is likely because you are reaching a call center [that may or may not be in the U.S.] and I can almost guarantee that they are not Licensed Florida Mortgage Loan Originators. It is upsetting when folks on the other end of the line tell families they don’t have options because it demonstrates one of two things.
Ignorance Deception. Read more at Do I have to use my current lender to get a Orlando, Florida … (0 comments)

chris brown: Does HARP 2 Have a Loan To Value Restriction for Orlando, Florida Home Owners? - 04/29/13 06:07 AM
The hallmark piece of the 2011 revisions of the HARP Mortgage Loan Refinance Program is that it removes the consideration of what the home is worth compared to what is owed [LTV]. Since many families in Orlando, Florida owe significantly more than their homes value, they are taking advantage of it in droves. Be sure not to miss out on improving your cash flow. Watch the video and apply below.
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chris brown: Will My HARP Loan Refinance in Orlando, Florida Require an Appraisal? - 04/29/13 04:31 AM
“I have heard that with a HARP refinance, it doesn’t matter what you owe, so why do I need an appraisal?”
That’s a good question. It is true that you can owe two or three times what your home is worth today and still get a HARP Mortgage Program Loan, some kind of valuation will probably still need to be made.
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chris brown: Will the HARP 2 Refinance Program Help Save My Orlando, Florida Home from Foreclosure? - 04/29/13 03:50 AM
  HARP is not designed to stave off foreclosure for Orlando, Florida home owners. HARP’s stated mission is to help those that have remained current, be able to take advantage of the current market rates since they have been boxed out of getting the lowest Orlando, Florida mortgage rates simply because they were upside down on their home. This is a back log of five to six years of responsible home owners that have higher than necessary payments. Watch the video for more info.
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chris brown: Is a Florida HARP 2 Loan the same thing as an Orlando FHA Streamline Refinance? - 04/29/13 02:00 AM
Numerous people are already saving a lot of money on their underwater homes through the Orlando, Florida HARP refinance program. Not only are we helping those whose loans are backed by Fannie Mae and Freddie Mac, but also those that have FHA loans.  The FHA Streamline Refinance is also reaching more families and giving them the chance to get an FHA Streamline Refinance.  A small guideline change has banks:
no longer verifying income, no actual employment verification no credit verification Read more at Is a Florida HARP 2 Loan the same thing as an Orlando FHA Streamline Refinance?     … (0 comments)

chris brown: In Florida, what is the maximum HARP Refinance Loan I can get? - 04/29/13 01:06 AM
For a HARP Loan in Florida, it is really easy to know the maximum loan amounts because unlike in some other states where there are extremely high costs of living, Florida has only one limit… not different ones for different geographic regions. This amount is $417,000. This means if you have a loan amount of $417,000 now, and want to roll in closing costs with a HARP refinance – you are going to find that to be a challenge.
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chris brown: HARP 2 Question: My Orlando, Florida Mortgage is Backed by Fannie Mae or Freddie Mac, Now What? - 04/29/13 12:46 AM
Is your Orlando, Florida home loan backed by Fannie Mae or Freddie Mac? Have you confirmed if it is so? If you did then you are past the first step to getting a Florida HARP mortgage program loan. Being Ranked amount the best HARP lenders in Florida, we are glad to help you with the next steps in eliminating your current mortgage that is costing you way too much.
Read more at HARP 2 Question: My Orlando, Florida Mortgage is Backed by Fannie Mae or Freddie Mac, Now What?   … (0 comments)

chris brown: If I HARP Refinance My Florida Home or Condo with an ARM, Can I Still Get an Unlimited Loan to Value? - 04/29/13 12:23 AM
Good news to Orlando, Florida homeowners. The HARP Program Loan allows you to have a wide range of options with your refinance.  You can get the lowest rate on a 30 year fixed mortgage or even a 20 or 15 year mortgage as well.  HARP even keeps the option open to move into an adjustable rate mortgage.  Beware, however.  One of the biggest points with HARP is the unlimited Loan to Value Florida underwater home owners can benefit from.
Read more at If I HARP Refinance My Florida Home or Condo with an ARM, Can I Still Get an Unlimited Loan … (0 comments)

chris brown: Will an Orlando, Florida HARP Refinance require PMI if I put 20% when I bought? - 04/27/13 12:24 AM
Families are worried that since all of the money they put down on their Orlando, Florida home is gone that it may go from bad to worse if they tried to get a Florida HARP loan. Good News. If you did not have PMI when you bought your home – even if you are now upside down, you will not be required to get private mortgage insurance [PMI] with a HARP mortgage loan refinance.
Read more at Will an Orlando, Florida HARP Refinance require PMI if I put 20% when I bought?   … (0 comments)

chris brown: I have Negative Equity in My Orlando, Florida Home. Can HARP Really Help Me? - 04/26/13 10:58 PM
The real cornerstone to the 2011 Revisions of the Florida HARP Refinance Mortgage Loan Program is that participating lenders, like us, are able to offer the lowest rates on HARP refinances that allow unlimited loan to values. This means that you may owe quite a bit more than your Orlando, Florida home is worth and still be able to refinance. watch the video to learn more.
Read more at I have Negative Equity in My Orlando, Florida Home. Can HARP Really Help Me?    
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chris brown: Is the HARP Program in Orlando Florida the Same Thing as the Making Homes Affordable Program? - 04/26/13 08:40 PM
Sometimes uncovering if an Orlando HARP Loan Refinance is the same thing as the other terms floating around the internet. HARP is also known as the Making Homes Affordable Program, the DU Refi Plus Program, the Relief Refinance Program, or even the Obama Refi Plan. While this can create confusion, these are all the same thing – watch the video for more info.
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chris brown: Can I get a HARP Refinance Loan in Orlando, Florida If I am Late or Behind On My Mortgage? - 04/26/13 08:06 PM
If you are currently late on your Orlando, Florida mortgage home loan, I have good news for you with HARP. The answer is not “no”… it is just “not yet”. Many lenders will tell you that you have to be current to get a HARP loan refinance. That is only partially true. You can’t have any late payments in the last six months and only one in the last 12 months. That means that if you are late TODAY – you are only 11 months away from being able to get a HARP Refinance Loan… and since the HARP Program is … (0 comments)

chris brown: Can I use any lender for my Orlando, Florida HARP Refi? - 04/26/13 07:45 PM
Yes.  Most current servicers are telling their callers that they can only work with them for an Orlando, Florida HARP Refinance.  This is disappointing because it demonstrates one of two things.  Neither which is encouraging the families we speak to to want to do business with them.  this either demonstrates ignorance or deception.  Isn’t it nice to know that you no longer have to risk using the same folks and you can actively choose someone, like us, to help structure an advantageous home loan for you and those you care about?
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chris brown: HARP 2 Refinance Program Scam Warning and Update… - 04/26/13 06:40 AM
BEWARE of HARP Scams – they are sure to accompany Orlando, Florida HARP inquiries. In fact, we have had people we are working with call us and say they received calls from others saying, “will be assisting with their HARP refinance.” These callers were so smooth that our client thought this caller worked with Penny and I. See the video email [below] we sent the families we are helping in response to that.
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chris brown: Will HARP allow rolling in a second mortgage for my Orlando home? - 04/26/13 06:24 AM
Rolling in a second mortgage is the #1 question we get about Florida HARP refinance loans. The short answer is no… you cant’ roll in a second mortgage but we have had a lot of HARP Loan Successes with subordinating second mortgages. While this CAN be an issue, experience shows that is is more of a fear than a realized problem. It is important to let your participating HARP lender know that there is a second mortgage so they/ we can address it from the beginning in order to reduce the amount of turbulence that you may experience.
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chris brown: Will the HARP Refinance Program allow me to refinance an investment property? - 04/24/13 05:06 AM
Investors take note. Florida HARP Lenders are able to help you get a HARP refinance on your investment property. This is even true if it was not always an investment property. Many Floridians have found themsleves as unexpectant landlords as evidenced by the fact that thye are now renting out homes that they used to live in. Guess what – HARP works for that too. Check out the video.
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chris brown: Will the HARP Refinance Program help my Orlando, Florida home if I owe way more than it is worth? - 04/22/13 08:40 AM
Many Orlando, Florida mortgage loans are much larger than the current value of their home. You, like me, need a solution because I too owe more than my home is worth. The HARP 2.0 Mortgage Home Loan Refinance Program is that answer because it doesn’t matter what you owe on the home, you can still use HARP 2 to Refinance. Wtch the video as it explains why Fannie Mae and Freddie Mac would be willing to, “do such a thing”.
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chris brown: Will an Orlando, Florida HARP Program Loan allow me to take cash out? - 04/22/13 07:46 AM
The HARP Program in Florida is helping many people improve their family’s cash flow. Even with that, people are curious to know if they can pull cash out on their home as well. Watch the video to know if this is an option.
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chris brown: Can a HARP Loan work for my Florida Second Home or Vacation Condo? - 04/22/13 06:29 AM
Great news for Vacation and Second Home home owners. Harp Can do that. It doesn’t matter if your home has always been a second home in Florida or if it were originally a primary residence. If you meet the other requirements you can refinance it with HARP.
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Chris Brown- Florida Home Loan Specialist | Certified Mortgage Planner, Chris Brown 407.367.2974 (Chris Brown | Certified Mortgage Planners) Rainmaker large

Chris Brown- Florida Home Loan Specialist | Certified Mortgage Planner

Chris Brown 407.367.2974

Orlando, FL

More about me…

Chris Brown | Certified Mortgage Planners

Address: 1331 S International Parkway , Suite 2251, Lake Mary, FL, 32746

Office: (407) 367-2974

Fax: 800LoanGap

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