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HARP (or another program) - Do I qualify?

I attempted to go through my current mortgage holder (Fulton Mortgage).  After a couple of weeks of getting them the information they requested (see below),  they now won't even give the courtesy of a return email/phone call.

1) Current Mort Balance = $110,000.00  
 a.  A HELOC was taken out at settlement to get me below the 80%LTV.  9% apr / $6,000.00 balance.  (Fulton Mortgage)
 b.  There is a second mortgage through Pennsylvania Housing Finance Agency that will be subordinated in the approx. amount of  $ 18,500.00  (4.2% apr)
2) Single Family  Home
3) It is my Primary Residence
4) Current Mort Rate = 5.125%  30 year fixed
5) Home Value = $160,000.00  to $175,000.00
6) My Goal = Lower Mort rate, payoff some credit card debt, legal bills and consolidate bills.    I'd also like to get as much equity in the property as soon as possible and make some more major renovations.
  a. Total debt = $30,000.00 approx max
7) Credit Score = 770,  750,  765  with Equifax, Experian, Transunion
8) I am looking for a 30 year fixed Mort
9) This is the last home I intend to purchase.
10)
  • October 24 2012 - East Hempfield Township
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Answers (1)

www.fanniemae.com/loanlookup

 

www.freddiemac.com/mymortgage/

 

I would start here to see if your loan is owned by Fannie or Freddie.
  • October 24 2012
  • 0Yes

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