Enhanced Refinance Options for San Diego Fannie Mae and Freddie Mac Loans - HARP 2012

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Mortgage and Lending with VanDyk Mortgage - VA, FHA, Conventional, VA Jumbo, Jumbo, Purchase Loans, & Refinance, Direct Lender NMLS 220268 / 3035

Enhanced Refinance Options for San Diego Fannie Mae and Freddie Mac Loans - HARP 2012

Fannie Mae & Freddie Mac have both extended and enhanced the HARP Refinance program for 2012 for San Diego homeowners.  HARP = Home Affordable Refinance Program for Conventional Conforming loans.

This program offers savings for Underwater San Diego Homeowners!  Many homeowners previously denied for Harp Refinance Loans will now qualify.

The Regulator for Government run Fannie Mae and Freddie Mac has authorized improvements and an extension on the HARP Refinance initiative in 2012 for San Diego, California Homeowners.  This is also called the Home Affordable Refinance Program.   This program allows San Diego and California homeowners with loans currently owned by Fannie Mae or Freddie Mac to refinance with expanded qualifications such as reduced appraisal requirements, No Maximum Loan to Value Limit, reduced income documentation, etc.

3 Quick steps to get started:

->Determine if Fannie Mae or Freddie Mac own your loan  (click on their name to verify)

->Apply Online at www.vandykfunding.com/loanapplication

->Gather your documents for our Review

Call us now if you have questions!  866-900-2342 toll free

The Fannie Mae program is called Harp, Refi Plus or DU Refi Plus.  This program allows several benefits to refinance:

->Allows you to refinance your mortgage up to and over 125% of your current value - there is no longer a ceiling or maximum Loan to Value

->Reduced add-on costs that Fannie and Freddie formerly added to these loans

->Allows for reduced income and asset documentation (definitely not stated income however)

->Allows for appraisal waivers in some cases, saving you the time and expense of an appraisal

->Allows you to take advantage of the low interest rates while they last!

->Second Homes Eligible

->Investment Properties Eligible

->2-4 Unit Properties Eligible

->Your current loan must have been delivered to Fannie Mae before June 1, 2009

->Fannie Mae Loans over $417K also eligible!

->Properties recently or currently listed for sale are now eligible 

The Freddie Mac program is called the Freddie Mac Relief program - Open Access.  This program allows several benefits to refinance:

->Allows you to refinance your mortgage up to and over 125% of your current value - there is no longer a ceiling or maximum Loan to Value

->Reduces the add-on costs that Fannie and Freddie formerly added to these loans

->Allows for reduced income and asset documentation (definitely not stated income however)

->Allows you to take advantage of the low interest rates available now!

->You are not restricted to using your current lender on your loan to complete your Freddie Mac Relief Refinance - We can help regardless of your current loan servicer or Lender.

->Your current loan must have been delivered to Freddie Mac before June 1, 2009

->Second Homes Eligible

->Investment Properties Eligible

->2-4 Unit Properties Eligible

->Properties recently or currently listed for sale are now eligible 

Freddie Mac Loans over $417K also eligible!

VanDyk Mortgage is your Direct Lender.  To get started, contact us at 760-752-4480 (Brian Skaar Direct), or apply online at www.vandykfunding.com.

Get Started now with our Quick 3 step Application:

->Determine if Fannie Mae or Freddie Mac own your loan  (click on their name to verify)

->Apply Online at www.vandykfunding.com/loanapplication

->Gather your documents for our Review

Call Direct if you have any questions about getting started – 866-900-2342 toll free

 

 

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Topic:
Lending / Financial
Tags:
ca
san diego
san diego county
freddie mac
fannie mae
direct lender
refinance
harp
u
underwater
high balance
super conforming

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Brian Skaar

VA, Jumbo, FHA & Conv Direct Lender (760) 752-4480
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