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It really depends on the bottom line and the break even point between origination and lower month payments. HARP 2.0 is not for the inexperienced broker. I would make sure your mortgage broker knows what they are doing because a lot do not. I would also find out the origination points versus the credit and have that broker go over different credits with you based on the rate YOU decide on. I have many HARP 2.0 lenders but they all have overlays on the program. One might offer me a 4.375% loan that pays 2% and another might offer me the same 2% with a rate of 4.625%. Shop your loan out but do not over shop!!
I only lend in Florida!
I offer the Harp 2.0 Unlimited with no restrictions on LTV. If you are Fannie Mae or Freddie Mac [content removed by Zillow due to spam. Please refer to our Good Neighbor Policy for details.]
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