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Do I have to use my current lender for the HARP program

Profile picture for az0727
I am currently with Wells Fargo and they have been an absoute nightmare.  I am hoping that i would be able to use another bank for the HARP program
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October 09 2009 - Wethersfield
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Answers (4)

Profile picture for Bucks County Banker
The secondary market lenders for the HARP loans are limiting product they will accept to a maximum 105% LTV on loans that do not currently have mortgage insurance.  If you have MI now or are above 105% you'll have to deal with Wells Fargo.
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October 26 2009
Profile picture for Evan LeFloch

You can go to any lender through either the Fannie Mae DU refi plus program OR Freddie Mac Relief Refinance program up to 125% LTV and infinite CLTV provided your current loan does not have PMI.

If the LTV is below 95% and you're paying PMI now, you may just want to do a regular refinance and get a new PMI policy as long as the PMI rate is similar.

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October 20 2009
Profile picture for Courtesy Mortgage
If your loan does not have MI you can go elsewhere.  Wells is slow, but there are other places that can move quicker.   If you have MI, you are stuck with Wells.
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October 09 2009
Profile picture for FHA down to 620 OK!
Everyone is backed up on these. Got 10 million people all looking for a bailout and only a few Banks doing these loans. Going to be a nightmare wherever you could go.

Look into a refi, see if it saves you, close in 2-3 weeks.
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October 09 2009
 

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