I keep reading about HARP refinancing and get emails saying we are eligible, how do I know if they are legitimate?
We've been in our house 15 yrs, 6.125%, bal-$380,000, value-$400,000, fair credit, empty nesters, husband at job 35 yrs, me about a yr. Can it really happen?
I've even read that it's possible with an average credit score, or worse, underwater mortgages, etc.
Certainly might be possible. Ask your mortgage guy. If you like knowing first, run the lookup tool for Fannie Mae https://www.knowyouroptions.com/loanlookup and Freddie Mac https://ww3.freddiemac.com/loanlookup/to see which one you belong to. | 10.13.15 @ 19:46
Yes a mortgage pro (or yourself) can look it up to see if it qualifies. Just grab your most recent statement to get the exact details. Keep in mind that HARP expires at the end of 2016 so time is of the essence. | 05.26.16 @ 01:04