can you refinance after a harp loan

Mortgage Advice > How do I refinance my mortgage if I've. – 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.

Your mortgage must be owned by Fannie Mae or Freddie Mac.Other types of loans do not qualify for HARP. You can look up your loan online to see if it is held by Fannie Mae or Freddie Mac by going to the loan lookup tools on the Making Home Affordable website.; Your loan must have originated prior to June 1, 2009.

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 · Hi Zack: That sounds like a plan that makes a lot of sense. I can’t specifically tell you what the approximate closing costs could be because a lot of it is going to vary based on your financial situation and how you decide to structure the loan.

how soon can you refinance after refinancing | Fhalendernearme – You will have a much easier time then and if your loan is for more than four years, do it after the two year wait. Any longer than that, you are just paying your principle off and would lose money. ideally, you can refinance a month after your get your loan, if you want. But that takes some luck and really good credit.

First HARP refinance. Unless the rules change, and with one small exception, you can do only one HARP refinance and, once granted, you cannot refinance through HARP again. However, if after the HARP Refinance, you have problems making the payments, you can always at a later date apply for a short sale.

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What HARP 2.0 can — and can’t — do for you – CBS News –  · (MoneyWatch) Many of the people who contact me after reading my column or listening to my radio show have the same problem: They want to take advantage of low interest rates to refinance.

 · If you have a home equity line of credit (HELOC) or a home equity loan, you’ve probably considered refinancing it into one loan via a new cash-out refinance. You’re not alone. According to.