If you prefer to use our online form to provide us with information for your rate quote for a Home Affordable Refi in Washington, click this link. Or you can copy and paste the questions below and send me your info via email.
Here are 10 quick questions that I need answers for in order to provide you with a quote (if your answers on 1-3 are “yes”, please proceed with the remaining questions for your HARP 2.0 rate quote):
- Is your home located in Washington State? [I’m only licensed to originate mortgages on residential property located in Washington].
- Is your mortgage securitized by Fannie Mae or Freddie Mac? [You can click these links to verify].
- Did you close on this mortgage prior to June 1, 2009? [Note: HARP is available for mortgages “securitized” by Fannie Mae or Freddie Mac before 6/1/09 – “securitization” actually takes place after closing.
- Do you currently have private mortgage insurance and/or lender paid mortgage insurance?
- Do you have a second mortgage/home equity line of credit? If so, what is the mortgage balance? [Note: second mortgages cannot be included in the HARP refi and will be subject to their approval to be subordinated]
- What is the principal balance of your mortgage?
- Is this property your: primary residence, second home or investment?
- Is this property a condo, townhome or single family residence?
- How do you rate your credit? Excellent, pretty good, good, okay or blemished – if you know your credit scores, please provide them.
- What program do you like to see quotes on: FIXED: 30 year, 20 year, 15 year, 10 year; or ADJUSTABLE: 5/1, 7/1 or 10/1.
NOTE: As we learn more about this program, we will continue to update you here at Mortgage Porter. Read my latest post about the Home Affordable Refinance Program.
These pages will be updated as we receive more information:
Fannie Mae – Home Affordabe DU Refi Plus
Freddie Mac – Home Affordable Streamline Refinance – Open Access
I am required to have the language below if I am soliciting your Home Affordable Refi for your home in Washington…and yes, I would love to help you with your HARP (or any) refinance:
Freddie Mac and Fannie Mae have adopted changes to the Home Affordable Refinance program (HARP) and you may be eligible to take advantages of these changes.
If your mortgage is owned or guaranteed by either Freddie Mac or Fannie Mae, you may be eligible to refinance your mortgage under the enhanced and expanded provisions of HARP.
You can determine whether your mortgage is owned by either Freddie Mac or Fannie Mae by checking the following websites: www.freddiemac.com/mymortgage or
Last updated: January 25, 2013
I want to HARP refi my home … refied last 12/2007. Bal 332K, Zillow value is 370K. 7 yr ARM, interest only. I want the same product, an interest only. It is Freddie. I was an escrow officer, lost job in 2009, sav ings, equity and now make more than one third less income. I want to stay in home another 5 years. It is in lower Kennydale Renton with view so may sell more than Zillow quote. I just can’t afford it now. 5.750% for 2 more years. Thanks, hi to Debbie Desgroesiller if she is still there and who can spell her last name anyway. Lol
Hi Denyce, I don’t believe we have any interest only products with HARP. We can look at doing something “rate term”. If you want to email me, we can see if we can reduce your payment or at least have it close to what you’re paying now so that in 5 years, when you’re ready to sell, you’ll have paid down some principal.