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HARP 2: The Basics for Tampa, Florida Homeowners

June 25, 2013

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President Obama’s Home Affordable Refinance Program (HARP), has existed since 2009, but initial efforts for the program to help as many underwater homeowners as possible failed, and the program was launched again as HARP 2.  The reason the program failed to help the number of homeowners that the government intended, and the reason why the [...]

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Orlando, Florida HARP 3: What Homeowners Need to Know…

June 25, 2013

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Technically, HARP 3 has yet to pass and there is no guarantee that it will ever pass.  If it were to pass, it would be the third release of the Home Affordable Refinance Program (HARP) to be available to American homeowners since the program launched in 2009.  Despite the fact that the program has yet [...]

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Tampa, Florida News: HARP 3.0 Disguised as the Responsible Homeowner Refinancing Act of 2012?

June 24, 2013

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HARP and its revisions have been helping out homeowners numbering a million since 2009. The lofty goal of helping 7 million homeowners is still far from realized but the bar has been set higher. Now another revision dubbed HARP 3.0 is estimated to benefit 30 million borrowers. On May 10, 2012 a bill was introduced [...]

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How To NOT Get Approved For Mortgage In Orlando, Florida

June 22, 2013

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1. Being self-employed There are lots of cool perks in being self-employed. You get to work when you want to, as long as you want to; you’re your own boss so basically, you run the show. But when it’s time to apply for a mortgage, there are two major downsides to it when trying to [...]

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Florida Harp Lender: 3 Easy Steps to a HARP 2 Refinance Mortgage Loan.

June 17, 2013

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Many in the Florida real estate game are paying close attention to the 2011 revisions to the Florida HARP Program… the Home Affordable Refinance Program.  Why?  Because there are some very significant changes that allow families that own real estate in Florida, regardless of what they owe on their property to refinance.   That’s right. [...]

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What HARP 3.0 Might Be Like

June 16, 2013

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The elections are behind us and Mr. Obama is still the president, HARP 3.0 just came a little bit closer to being passed. The President and members of Congress have been pushing for even further legislation for the Tampa, Florida HARP Refinance program. The Tampa, Florida HARP 2.0 Refinance program has seen success in helping severely [...]

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John and Ashley Complete their Financial Ironman

June 11, 2013

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John and Ashley, deserve medals for staying the course and completing their financial ironman. Wow! John and Ashley first attempted refinancing in August of 2008, then again when HARP was initially introduced, and now with HARP 2.0. Like so many homes, their home value plummeted making refinancing unlikely. Fortunately, HARP 2.0 was introduced and John [...]

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A HARP 3 Pilot Program Approved? – Melbourne, Florida Update

June 10, 2013

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A HARP 3 pilot has already been approved. HARP 2 although much improved compared to the original release of the Melbourne, Florida HARP refinance program is still relatively restrictive for many homeowners. Several upside-down homeowners do meet all HARP requirements except they have their loans held by non-GSEs; this is what blocks them from getting [...]

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Tallahassee, Florida HARP 3.0 in the Year 2013

June 6, 2013

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Many upside homeowners are still unable to take advantage of the current low mortgage rates. The Tallahassee, Florida HARP 2.0 refinance program has seen applications shot up in 2012 but there is still much room for improvement. Only homeowners whose mortgages are owned by Fannie and Freddie could qualify under the current Tallahassee, Florida HARP [...]

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HARP 3.0 Will Be In Jacksonville, Florida Soon?

June 5, 2013

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Rumors of a HARP 3.0 refinance program have been flying here and there. For the numerous people left out in the current guidelines of HARP 2.0, the idea is comforting for them who wish to refinance now to the lowest interest rates in today’s housing markets. HARP 3.0 or #myrefi was conceptually introduced in January [...]

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Chris Brown
Chris Brown is the premier expert on HARP loans and Government FHA and VA loans. Please visit The Mortgage Chili Blog