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How can I re-finance post May 2009 cut off?

Hello - My home purchase of $440,000 took place in June 2010.  The recent July 2012 appriasal says it is now worth $385,000.  I cannot use HARP as I am outside of the May 2009 cut off.  I am trying to re-finance to a lower interest rate from 5% to 3.5%.  Any suggestions?
Regards,
Maria
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August 01 2012 - Herald Harbor
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Answers (1)

We would need the following information in order to get you pointed in the right direction.

1) credit score
2) current loan amount

I would also say you should review the comparable sales on the appraisal and see if they are accurate comparable sales and match up what you can find yourself. This way you can determine whether or not the appraisal is accurate.
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August 01 2012
 
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How can I re-finance post May 2009 cut off?
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August 01 2012 | 1 answers
  • Asked by user119749
  • In Refinance
  • August 01 2012
Mortgage Rates
 
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