The Home Refinancing Plan
Banks Don't Want You To Know
(Washington, D.C.) The greatest mortgage reduction program in US History is set to expire in 2018, but the banks have been keeping this a secret!
Homeowners that have visited HARP Qualifier are surprised they qualify for this program.  
With Interest Rates near record lows there has never been a better time to refinance. This combined with a little known government program called Home Affordable Refinance Plan® is allowing people just like you to refinance home at shockingly low rates. These rates are reducing peoples mortgage payments at an average of $3,500 every year.
 
So here is the catch- just like anything else this will not last forever harp was just extended only till the end of this year.  If you think a lower payment will help now is the best time to act on it. 
This is a real saver for most households
Remember most homeowners don't know that if your mortgage balance is less than $625,500 the government is giving you the ability to easily cut your rate with no money out of your pocket. 
  •  You can shop with several lenders 
  •  Your home value does not matter
  •  You can do this with less than perfect credit
Banks and Lenders do not like the facts of this program. Of course they would rather keep you at a higher rate to make more money and this is why it is so important for you to take advantage of this now. You can really benefit from this, imagine if you could have bought apple stock at $25.00 with a inside tip. You have that inside tip with this program so don't delay.

So how do you find your rate and payment?
This is a great question. There are many companies out there that will allow you take advantage of this savings & because of the internet you can be matched with lenders all around the country for the best possible deal.

We designed HARP Loan Qualifier to get you answers fast.  So how does it work?
It's Simple With Our Harp Qualifier
Step 1: Simply tap your state below and answer 3 simple questions.

Step 2: Enter some basic information about your home and you will find out how much you will save by refinancing. It is really that fast and easy.
Expires   12/31/2018
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    THIS IS AN ADVERTORIAL NOT AN ACTUAL NEWS ARTICLE, OR CONSUMER PROTECTION UPDATE
    Information from our page was taken from http://www.freddiemac.com/finance/pdf/RefiReport2013Q4.pdf and other online websites.

    Average savings of $4,264 per year ($355 per month) from http://www.freddiemac.com/finance/pdf/RefiReport2013Q3.pdf
    HARP Program Deadline. The end date to get a HARP refinance is December 31, 2018 from https://harp.gov/About

    HARP was designed and launched in 2009 to help Americans participate in mortgage savings regardless of the homeowner’s equity position. Homeowners who experienced a loss in property value during the housing crisis are not precluded from participating in the program. Ask your HARP program specialist if you are eligible for the program.
    A HARP program specialist is a mortgage professional trained in the program guidelines who can help eligible borrowers refinance to a lower interest rate through HARP. Each homeowner who participates in the HARP program is eligible for a new mortgage with no mortgage insurance regardless of loan-to-value. Savings varies depending on the borrower’s original interest rate and is based off current market interest rates for the HARP program.
    This is not an offer for an interest rate. Consult with your HARP lender for current HARP interest rates. Analysts put annual HARP savings for borrowers anywhere from $1,200 to as much as $6,000. One Zillow study estimated an average HARP borrower to save $358/month or $4,296 annually. The program was designed by FHFA, who acts as a conservator of Fannie Mae and Freddie Mac. Reference: https://www.zillow.com/blog/how-harp-can-put-money-in-your-pocket-138819/
    Average monthly savings from http://www.freddiemac.com/finance/pdf/RefiReport2013Q3.pdf
    State of the Union transcript - http://www.whitehouse.gov/the-press-office/2012/01/24/remarks-president-state-union-address. Further information for this can be found at http://www.nytimes.com/2011/08/21/realestate/exploring-the-15-year-loan-for-refinancing-mortgages.html
    Under provisions of the Making Homes Affordable Act(a.k.a. HARP 2.0), signed into law by President Obama, Fannie Mae has removed certain loan refinance requirements for qualifying loans including the Loan-To-Value (LTV) ceiling for fixed-rate mortgage, property appraisal, minimum credit score & credit check, and eliminated & lowered certain fees for borrowers making it easier to refinance into a lower rate mortgage, effectively reducing the amount of interest paid (and owed) over the life of the loan. More info: http://www.fhfa.gov/Media/PublicAffairs/Pages/FHFA-Fannie-Mae-and-Freddie-Mac-Announce-HARP-Changesto-Reach-More-Borrowers.aspx
    A shorter term mortgage enables such borrowers to pay down the amount they owe much faster than a traditional 30-year mortgage. Furthermore, interest rates on shorter term mortgages usually are less than on thirty-year mortgages. More information can be found at http://harpprogram.org/faq.php The Making Home Affordable Program is set to expire December of 2018 and is free http://www.makinghomeaffordable.gov/about-mha/Pages/default.aspx but standard refinance fees will still apply. http://www.whitehouse.gov/the-press-office/2012/02/01/fact-sheet-president-obama-s-plan-help-responsible-homeowners-and-heal-h
    On a $200,000 loan, a homeowner in a 30 year fixed at 6.25% would end up paying the bank $443,316. That same homeowner, if they switched to a 15 year fixed at today's rate of 3.58% APR would own their home for only $250,779




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