can you refinance after a harp loan

These transactions do not involve a title company nor are there typical closing costs like there are on a traditional refinance. What HARP Offers: *A refinance program for homeowners whose loans are owned by Fannie Mae or Freddie Mac, that allows them to refinance a home loan no matter the occupancy with no loan-to-value restriction.

There are various factors to consider before you can refinance a mortgage that has been modified. After all, your loan modification was supposed to mitigate the need for a refinance and avoid the costly sum that comes with it.

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You cannot pay off or refinance a fixed-rate second loan or home equity loan through HARP. The best thing you can do is get the second lender to subordinate, meaning to remain in the second position. But there is little incentive for a second lender to agree.

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A HARP loan can be worth it if you qualify and you owe a lot more than your home is worth. If you’re going to take advantage of it, now is the time to do so — before the program ends. But if you.

Since your new loan was originated and closed after June 1, 2009, you won’t be able to take advantage of the HARP program, unless the dates are off from what you noted. If you have any equity at all, you could use FHA to refinance as it goes to 97.75% LTV. There would be mortgage insurance included, thus reducing your potential monthly savings.

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The formula above doesn’t measure your total savings over the life of the new mortgage. A refinance can cost more money in the long run if you start your new loan with a 30-year term.

Keep in mind, you cannot refinance your loan when you are actively trying to sell it. Some lenders require the home off the market for several months before they will refinance. This is to protect the lender. They want to do whatever they can to prevent taking on new loans that get paid off right away.