If your loan is not owned by either Fannie Mae or Freddie Mac, it may still be possible to refinance if you have an FHA or VA loan.
Usually, this information will be included on your mortgage statement.

If you aren’t sure and you would like some help finding out if you have an FHA or VA loan please submit the following documents to me via fax at (480) 304-3236:

  • Most Recent Mortgage Statement
  • Copy of your Mortgage Note (usually found in the closing paperwork from your last mortgage transaction)
  • Be sure to include information for me to contact you on your fax cover page.

If you own more than your home is worth and your loan is not owned by Fannie Mae or Freddie Mac and you do not have an FHA or VA Loan, you will not be able to refinance to a lower rate at this time.

The HARP 2.0 program is scheduled to expire on 12/31/13.  It is possible that there may be program revisions between now and the expiration of the program.  It is also possible that the HARP 3.0 program will come out although this program is not currently available and there is no guarantee that the program will accommodate your situation; stay tuned for updates.

If you would like to be a part of my monthly newsletter, please e-mail me by using the contact link at http://chayes.cmgfi.com and let me know your Full Name, Address, and Phone Number.

Thank you for visiting HARP-HOW-TO.com!

Cody Hayes-Cody Hayes, Mortgage Loan Originator
602-373-8485 direct | 480-304-3236 fax | web: http://chayes.cmgfi.com
Individual NMLS ID 183434
Arizona License# LO-0911531
California License# CA-DOC183434
LOGO-CMG-Mortgage-StackedCMG Mortgage, Inc. 11811 N Tatum Blvd, Suite 3099
Phoenix AZ 85028
NMLS ID 5893
Arizona License# BKBR-0117007
California License# BKBR-8151233