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HARP Guide for Florida Home Owners | Three Simple Steps to a Tallahassee Home Affordable Refinance [HARP 2] or Short Sale.

 Are you worried that you are upside down in your mortgage?

Upside Down Tallahassee home options are in as much need as ever. I have great news for Tallahassee real estate owners – the 2011 revisions to the HARP Program… also known as the the Home Affordable Refinance Program.  Why is this great news?  Simply because the 2011 revisions brought some very impactful changes to Tallahassee real estate owners.  One of the most notable changes is the fact that you can, “owe more on my Tallahassee home than it is worth” and not be eliminated from being able to refinance.


Yes – people are getting lined up as I type to take advantage of the lowest Tallahassee mortgage rates that they have been unable to take advantage of – till now.

Do I qualify for a HARP refinance?  Does my home qualify?  The 3 main test to this are as follows:

1.  You mortgage is backed by Fannie Mae or Freddie Mac. [Most people don’t know, so don’t worry, we can help – simply visit

2.  Your Tallahassee home loan was backed by Fannie or Freddie by June 1, 2009. [Now, the “backing” process can take as much as seventy-five days, so if you closed before March 15, 2009 you should be fine – between Mar. 15 and June 1, we advise that more research needs to be done on your Tallahassee home.]

3.  Your payments are current.  HARP 2.0 only allows for one thirty-day late in the last twelve months and no lates in the last six months.

If you pass these three barriers, refinancing to a low HARP mortgage rate is closer than possibly imagined.  If you do not fit the three points above, it is advisable to seek out a Tallahassee Short Sale if you are struggling with your housing expense.

Don’t hesitate too long – HARP 2.0 is expected to have a serious impact in Florida.  Families all over Florida will be clamoring to get through the HARP 2.0 door – waiting only augments the time that you will be paying too much for your current mortgage… we can’t say it any clearer – act NOW.

 Send us an email  or call us at 407-900-REFI [7334] to ask about the next best steps to keep your current mortgage from costing you more than necessary.

by: Chris Brown, CMPS, NAIFA, National Recognized HARP Expert

Debbie Kirkland, SFR   – Short Sale and Foreclosure Resource , We Can Help  Call us at 850-212-0440 today for your free consultation.

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