by Ben
(Columbia, Maryland USA)
Ask Kate: Making Home Affordable Program - Can I choose my own lender and get a competitive rate for my refinance? Dear Kate, Is is true I can do a HARP refinance - Home Affordable Refinance Program - with a new lender? I thought I had to stay with my current mortgage lender.
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Q: How do I apply for a refinance under HARP?
A: You should call your mortgage lender and ask for a Home Affordable Refinance application. The number is on your monthly mortgage bill or coupon book.
Alternately, you may apply through a lender approved to do business with Fannie Mae or Freddie Mac. Nearly all major banks and mortgage brokers have this approval.
Q: What are the interest rate and other terms of a refinance under HARP?
A: The rate will be based on market rates in effect at the time of the refinance and any associated points and fees quoted by your lender. Interest rates may vary across lenders and over time as market rates adjust.
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