Dan The Mortgage Man - HARP 2.0 News Story - (916)-224-6366
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@GuitarStringFever Actually under HARP 2.0, monthly PMI is allowed. The new loan will need to have the same coverage as the original loan via transfer or replacement MI coverage at the same level. Under HARP 1.0, MI was a 'kiss of death' as to eligibility but the new revised program allows for it. My clients featured in this news story did in fact have MI on their original loan (since they used 90% financing with 10% down) and their new HARP 2.0 refinance will also have MI.
danthemortgageman 3 weeks ago
How was it possible for them not to have PMI on a loan like that? You aren't allowed to utilize HARP if you have PMI unless you are only 95% loan to value. Most are more that 120%. These people were more than 100k in the hole. How did they not have PMI ????
GuitarStringFever 3 weeks ago