Clark Harvey-The BBQ Mortgage Guy 801-557-8540 NMLS 1172332
Clark Harvey-The BBQ Mortgage Guy801-557-8540                NMLS 1172332

HARP Loans

Might you be eligible?

See if you meet these basic eligibility requirements:

  • You are current on your mortgage, with no 30-day+ late payments in the last six months and no more than one in the past 12 months
  • Your home is your primary residence, a 1-unit second home or a 1- to 4-unit investment property.
  • Your loan is owned by Freddie Mac or Fannie Mae. You can use the Loan Look-up Tools below if you are unsure.
  • Your loan was originated on or before May 31, 2009. By using the loan look-up tools below, this date will be made available to you.
  • Your current loan-to-value (LTV) ratio must be greater than 80%

Call Clark Harvey a HARP Specialist 801-562-9100 for more information or to APPLY online on our secure website below

Is your mortgage owned by Fannie Mae or Freddie Mac?

Use their online tools to quickly find out, or call them toll-free:

Fannie Mae
Loan Look-up Tool:
Call: 800-7FANNIE (8 am to 8 pm ET)

Freddie Mac
Loan Look-up Tool:
Call: 800-FREDDIE (8 am to 8 pm ET)

Note: Be sure and check your address on both the Fannie Mae and Freddie Mac look-up tool. If your address does not appear in the look-up tool of either site, your loan is not owned by Fannie Mae or Freddie Mac and you are not eligible for the program.

Turned down before? Now’s the time to try again.

HARP has been significantly enhanced since it launched in 2009. The program now requires less documentation and has simpler guidelines, all designed to approve more loans.

How to Get Started

Follow these 3 basic steps.

If you qualify to refinance your mortgage through HARP, you’ll go through an application, approval and closing process (similar to when you got your original mortgage). AS A HARP lender, we will work with you through every step, and will help determine if HARP meets your specific needs. Outlined below are the steps to get started.

STEP 1:

Gather your financial information.

Make sure you have your basic financial and loan information on hand when you call your mortgage company. You’ll need:

  • Your mortgage statements, including information on a second mortgage (if applicable); and
  • Your income details (paystub or income tax return).

STEP 2:

Contact Us

We will need you to provide the information necessary to verify your current source of your income.

Did someone say “NO?”

If a lender says you are not eligible for HARP, ask for specific reasons why. If you have good reason to believe you are eligible, ask to speak to the HARP specialist, Clark Harvey. It never hurts to get a second opinion.

STEP 3:

Go through the application, approval and closing process.

If we determine that you do qualify for HARP, we will guide you through the application, approval and closing process.

FOLLOW ME ON

 

1st Rate Mortgage

3478 Chambery Ln

Riverton, UT 84065

 

MAILING ADDRESS:

PO BOX 1308 

DRAPER, UT 84020

 

Or you can reach us at

(801) 562-9100

NMLS# 1172332

 

Branch Location

3690 E. Fort Union Blvd

Suite 102

Cottonwood Heights, UT 84121

Ph: 385-355-3335

NMLS # 1525772 branch

 

Clark@ClarkHarvey.com

 

You can also use our contact form

MLO# 240452

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