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 · How to tell if your loan is HARP eligible and the difference between HARP 1.0 and HARP 2.0. Talk and rumors of HARP 3.0 are being spoken of in Washington.. to owe more than twice as much on their mortgage as their home is worth – and they will still be eligible for HARP according to the program guidelines (although some lenders might not.

In fact, in order to be eligible for HARP, the loan-to-value (LTV) ratio of your mortgage and home must be at least 80%. To calculate your loan-to-value ratio, divide the current balance of your loan by the current appraised value of your home.

If you haven’t read the latest official guidelines for the revamped HARP 2 or HARP 2.0 program, here they are.. If you haven’t read the latest official guidelines for the revamped HARP 2 or HARP 2.0 program, here they are. Call Us Now. PHONE: (855) 257 – 7671 ESPAOL: (888) 872 – 3507.

How to Qualify for Harp 2.0 Mortgage Refinance Loan Program Online. Get help to know about harp 2.0 eligibility, guidelines, qualification and requirement to get started online with quick.

 · HARP 2.0 is a program that allows homeowners who are "underwater" on their mortgages to refinance. In particular, it’s geared toward people who can’t find assistance elsewhere.

Basic HARP Eligibility Requirements. For help checking to see if your loan is eligible for HARP, CLICK HERE, or feel free to call us at 855-674-8525 to speak directly with a Florida licensed HARP lender about your refinance options for your Pensacola underwater mortgage. Your home loan is guaranteed by Fannie Mae or Freddie Mac.

William J Acres (William_Acres) #1 ranked lender in Arizona – 8,726 contributions The short answer is yes.. Based on the guidelines for HARP 2.0, unlimited LTV is accepted.. however lender guidelines may not accept your LTV.. so other factors play into the equation.

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Editor’s Note: The HARP program expired Dec. 31, 2018, but most homes have increased in value considerably since HARP rolled out. This means many homeowners may currently be eligible for a standard conventional refinance.. The most recent report from the Federal Housing Finance Agency (FHFA) states that investment property owners have used the HARP 2.0 refinance program over 430,000 times to.