February 2019

Found 2 blog entries for February 2019.

HARP REFINANCE REPLACEMENT!  High Loan-to-Value Refinance Option

The High Loan-to-Value (LTV) Refinance loan option provides refinance opportunities to borrowers with existing Fannie Mae mortgages who are making their mortgage payments on time, but whose LTV ratio for a new mortgage exceeds the maximum allowed for standard limited cash-out refinance options.

The High LTV refi option replaces the Home Affordable Refinance Program (HARP), which ended Dec. 31, 2018.

Borrowers must benefit from the refinance in at least one of the following ways:

  1. Reduced monthly principal and interest payment

  2. Lower mortgage rate

  3. Shorter amortization term

  4. More stable mortgage product, such as moving from an adjustable-rate

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Homeowners may need to provide their Warranty Deed book and page, proof of residence, social security numbers, driver’s license and car tag info. In most counties, to be eligible for the current year, you must have owned and occupied the property as of January 1st.  If the property is located within city limits, the homeowner may be required to file with the city as well. 

Gwinnett County – deadline is April 1, 2019            770-822-8800 http://gwinnetttaxcommissioner.manatron.com/Tabs/Property/HomesteadExemption.aspx

Fulton County – deadline is April 1, 2019                 404-612-6440 http://www.qpublic.net/ga/fulton/basic_homestead.html

DeKalb County – deadline is April 1, 2019             

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