The Government Is Itching To Reach Borrowers Who Could Be Saving Money Every Month.

Financial institutions like The Federal Housing Finance Agency are encouraging homeowners to take advantage of the federal Home Affordable Refinance Program, known as HARP ¹, which can provide pretty substantial savings for families . There has never been a better time to refinance your home. That's because HARP allows Americans to refinance their homes at shockingly low rates, and reduce their payments by an average of $2,292 a year.² 

The housing meltdown has made homeowners wary of scams. Many people don't believe the deals offered through the Home Affordable Refinance Program, which caters only to borrowers who are current on their mortgages, yet the government is itching to reach these borrowers.

A middle-class stimulus

The Home Affordable Program  benefits the middle class. The smallest changes can make the biggest difference. Watch your monthly payment decrease by getting a lower interest rate with HARP. If your mortgage is $625,500 or less (unless you live in a high-cost area; then the loan limits may be higher), you most likely qualify.

Turned down before? Now's the time to try again.
  1. You can shop several lenders, not just your current mortgage holder
  2. You can have a loan-to-value (LTV) ratio greater than 80%. Calculate your LTV ratio with top refinance comparison sites here .

 You need to act fast in order to refinance your house at these current low refinance rates as the HARP incentivizes expire.³ Could you use the extra savings?

  • The average monthly savings for most eligible Americans is $191.²   Can you use an extra $191 a month?
  • Many homeowners not only save every month, but depending on their current rates, they can also shorten their term.
  • Deferred payments - typically, one or two payments are skipped / deferred as well.

This is why it's a no-brainer - you will likely lower your payment, possibly shorten your term, and can possibly get cash. This is how powerful that little word called "interest" is. The middle class never sees "breaks" like this. So this is your chance to get "in".

Mortgage rates have decreased, but rates may not stay low if the government changes its economic policy. Act now  while rates are still low and avoid a potential rate hike.

How do I get low rates?

The trick to finding the lowest rate is to utilize free websites that will compare available mortgage rates for consumers, allowing them to choose the right one. We suggest using free resources like The Easy Loan Site, one of the country's largest refinance comparison websites. There's no obligation to homeowners, and The Easy Loan Site offers easy and quick comparisons. It takes a couple of minutes, and the service is 100% free. You have nothing to lose, except for your money problems!

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