Massachusetts Refinancing Expert Tim Sturtevant explains all about the revamped government program that provides refinancing options to homeowners who owe more on their mortgage than their house it worth called HARP 2.0.

Wareham, MA -- (SBWIRE) -- 05/14/2013 -- Help has finally arrived for Massachusetts home owners whose property values have dropped over the past couple of years. In order to lower costs of mortgage installments today and get a good fixed rate plan underway for repayment, many people are turning to the Home Affordable Refinance Program (HARP or HARP 2.0), also known as the Making Home Affordable Program.

However, as new information appears on government sites, people are finding the documentation to be lengthy and somewhat confusing.

Tim Sturtevant, a Wareham , Massachusetts based mortgage consultant, has released a new web site at: http://massmortgageloan.com designed to remove the confusion about this latest government program.

This new HARP 2.0 resource site shares details about the basics of this mortgage lending solution and answers questions like:

- What are HARP loans all about, in a nutshell – in layman's terms?
- What are the benefits of HARP loans?
- What kind of mortgage loans can HARP funds be used for?
- Do I qualify for the HARP program?
- What documents do I need to bring to the lender when I apply?
- And much more…

The new resource site showcases pages of information to help Massachusetts borrowers realize that HARP loans are an ideal way for families with homes that have dropped in value to rebuild their investment, creating equity faster under a new structure.

HARP Specialist Sturtevant, says "readily available and with low interest rates, these HARP loans are an exciting way for people to enjoy double savings with lower monthly mortgage installment loan payments and increased equity over the long term restructuring."

Tim Sturtevant is available for interviews and will welcome all your mortgage related questions.

Call 508-273-0422 or visit http://massmortgageloan.com to see if you qualify for this new program.

For more information on this press release visit: http://www.releasewire.com/press-releases/release-3.htm

Wareham, Massachusetts Based Mortgage Lender Tim Sturtevant reveals mortgage secrets at a new web site that is full of free reports, a home buying guide and free mortgage calculators. The site is designed to give consumers all the facts so they can make an educated decision when obtaining a mortgage.

Wareham, MA -- (SBWIRE) -- 05/03/2013 -- Wareham Massachusetts based Mortgage Expert finally reveals the secrets at a brand new website

http://www.masshomepurchase.com

This site is loaded with FREE REPORTS, an informative home buying guide, mortgage calculators consumers can use to run various loan scenarios and home buying resources you can use to save time and money before and after you purchase your home.

If you're planning to buy your next home, your first home, that dream home, a condo, vacation home, investment property or looking to refinance in Massachusetts or the surrounding areas, you will find that this site is a complete resource full of insider secrets that will allow you to choose the loan program best suited to your financial needs.

Here is just a small sample of the secrets revealed on this site...

- Little Known Secrets That Will Show You How To Improve Your Credit Score

- Important Terms You Must Know BEFORE Obtaining A Mortgage

- Tested and Proven Strategies For Building A Better Credit Record Faster and Easier

- The Top Mortgage Questions Borrowers Must Ask Before Applying For A Mortgage

- How To Finally Stop Renting And Own A Home Of Your Own

- How To Own A Home With Low Interest Rates And A Low Down Payment, Regardless Of Your Credit

- 7 Things You Should NOT Do When Applying For A Home Loan

- 12 Secrets To Lowering Your Homeowners Insurance Cost Your Agent Doesn't Want You To Know

Wareham, Massachusetts - based mortgage expert Tim Sturtevant specializes in providing information to consumers that allows them to make informed decisions about their mortgage financing options and learn the insider secrets that can save them thousands of dollars over the life of their loan.

Tim Sturtevant is available for interviews and will welcome all your mortgage related questions.

Call 508-273-0422 for a Free No-Obligation Consultation or visit

http://www.masshomepurchase.com

For more information on this press release visit: http://www.releasewire.com/press-releases/release-3.htm

Massachusetts homeowners who are living under negative equity may be able to use the HARP 2.0 government program to allow them to refinance at lower interest rates.

Wareham, MA -- (SBWIRE) -- 12/13/2012 -- More people than ever with homes in distress are able to refinance under the HARP 2.0 program. This bodes well for homeowners looking to reduce their interest rates and lower their monthly mortgage payments.

The only problem is that still many Massachusetts homeowners don't know the program exists.

Massachusetts mortgage originator, Tim Sturtevant educates his potential clients on the basics of this program at his Online HARP Refinance Information Center.

Sturtevant explains that the Home Affordable Refinance Program (HARP) is a streamline refinance program created to help responsible borrowers who have continued to make their mortgage payments, but may be unable to refinance over recent years due to a decline in their home value.

In October 2011, Fannie Mae and Freddie Mac along with the Federal Housing Finance Agency (FHFA) announced modifications to the Home Affordable Refinance Program to make it easier for lenders to refinance mortgages in Massachusetts.

With the changes announced to the HARP eligibility guidelines (now called HARP 2.0), more homeowners than ever are now eligible to refinance at lower interest rates.

According to Sturtevant, the relaxed stipulations of the HARP 2.0 program have already resulted in a large amount of loan modifications. Those Massachusetts homeowners with high LTVs (Loan-to-Value ratios) and less than perfect credit scores have been able to successfully refinance their homes.

You May Be Eligible For A HARP Refinance If:

1) Your loan is not an FHA, USDA or Jumbo Mortgage.
2) Your mortgage is current for the last six months.
3) Fannie Mae or Freddie Mac owned or guaranteed your home loan.
4) You have no more than one late payment over the past 12 months.
5) Your loan was sold to Fannie Mae or Freddie Mac before May 31, 2009.
6) You owe more than your home is worth, or is there minimal equity in your home.
7) Your mortgage has not already been refinanced through HARP in the past, unless it happens to be a Fannie Mae loan that underwent a HARP refinance between March and May 2009.

Call Tim Sturtevant at 508-273-0422 or visit our HARP Refinance Center and fill out our Quick 1 Step Eligibility Form to see if you qualify for this new program.

For Answers to Your HARP Questions: http://massmortgageloan.com

For more information on this press release visit: http://www.releasewire.com/press-releases/release-3.htm

Mortgage loan refinancing secrets revealed by Wareham, Massachusetts based Mortgage Broker, Tim Sturtevant, at a new web site that is full of free reports, a home buying guide and free mortgage calculators. The site is designed to help Massachusetts residents make an educated decision when obtaining a mass mortgage loan by giving them all the facts about mortgage loan refinancing.

Wareham, MA -- (ReleaseWire) -- 02/17/2012 -- It seems like everyone in Massachusetts is jumping on the mortgage refinancing bandwagon. Maybe you're thinking about it yourself? After all, with rates as low as they are, the promise of lowering your monthly payments, sometimes significantly, is a great attraction for many homeowners.

"With refinancing as popular as it is right now, Massachusetts residents have to be even more careful about shopping for the best loan," says Tim Sturtevant, a Wareham, Massachusetts based mortgage loan consultant. "Even the most attractive offer can wind up being a disaster once you realize how much the loan is really costing you."

But before you sign on the dotted line, there are a few things you should know about the way refinancing works so you don't make a mistake that could wind up costing you big time.

Sturtevant offers these tips when considering refinancing:

* Your credit score counts... big time. If you've had credit problems in the past like a bankruptcy, it might make sense to wait a while for your credit score to recover before trying to refinance. Most lenders make it hard for people with less than perfect credit to get the best deals. But, again, if you choose to let an expert like a mortgage broker get involved in the process, they can often find loan options that most homeowners didn't even know existed - which can save you thousands over the long haul.

* Consolidating unsecured debt with a refinance loan can be a dangerous idea. You may not be in financial trouble now, but if in a few years things change, instead of simply missing a credit card payment or two, you'll now be in danger of losing your home as well.

* You should get a significantly lower rate for refinancing to make sense. Don't rush to refinance unless it's truly worth your while. If you're working with a mortgage broker rather than going it alone, you can be assured that they're bringing you the best offers out there. If you're going it alone, you'll have to do the legwork for yourself.

Wareham, Mass - based mortgage expert Tim Sturtevant specializes in providing mortgage information to Mass residents that allows them to make informed decisions about their mortgage financing options and learn the insider secrets that can save them thousands of dollars over the life of their loan.

Tim Sturtevant is available for interviews and will welcome all your mortgage related questions.

Call 508.273.0422 for a Free No-Obligation Consultation or visit http://massmortgageloan.com

For more information on this press release visit: http://www.releasewire.com/press-releases/release-3.htm

Wareham, Massachusetts based Mortgage Broker Tim Sturtevant reveals mortgage refinancing secrets at a new web site that is full of free reports, a home buying guide and free mortgage calculators. The site is designed to give Massachusetts residents all the facts about mortgage refinancing so they can make an educated decision when obtaining a mortgage.

Wareham, MA -- (ReleaseWire) -- 01/26/2012 -- It seems like everyone in Massachusetts is jumping on the mortgage refinancing bandwagon. Maybe you're thinking about it yourself? After all, with rates as low as they are, the promise of lowering your monthly payments, sometimes significantly, is a great attraction for many homeowners.

But before you sign on the dotted line, there are a few things you should know about the way refinancing works so you don't make a mistake that could wind up costing you big time.

"With refinancing as popular as it is right now, Massachusetts residents have to be even more careful about shopping for the best loan," says Tim Sturtevant, a Wareham, Massachusetts based mortgage consultant. "Even the most attractive offer can wind up being a disaster once you realize how much the loan is really costing you."

Sturtevant offers these tips when considering refinancing:

* You should get a significantly lower rate for refinancing to make sense. Don't rush to refinance unless it's truly worth your while. If you're working with a mortgage broker rather than going it alone, you can be assured that they're bringing you the best offers out there. If you're going it alone, you'll have to do the legwork for yourself.

* Consolidating unsecured debt with a refinance loan can be a dangerous idea. You may not be in financial trouble now, but if in a few years things change, instead of simply missing a credit card payment or two, you'll now be in danger of losing your home as well.

* Your credit score counts... big time. If you've had credit problems in the past like a bankruptcy, it might make sense to wait a while for your credit score to recover before trying to refinance. Most lenders make it hard for people with less than perfect credit to get the best deals. But, again, if you choose to let an expert like a mortgage broker get involved in the process, they can often find loan options that most homeowners didn't even know existed - which can save you thousands over the long haul.

Wareham, Massachusetts - based mortgage expert Tim Sturtevant specializes in providing mortgage information to Massachusetts residents that allows them to make informed decisions about their mortgage financing options and learn the insider secrets that can save them thousands of dollars over the life of their loan.

Tim Sturtevant is available for interviews and will welcome all your mortgage related questions.

Call 508.273.0422 for a Free No-Obligation Consultation or visit http://massmortgageloan.com

For more information on this press release visit: http://www.releasewire.com/press-releases/release-3.htm

Wareham, Massachusetts Based Mortgage Lender Tim Sturtevant reveals mortgage secrets at a new web site that is full of free reports, a home buying guide and free mortgage calculators. The site is designed to give consumers all the facts so they can make an educated decision when obtaining a mortgage.

Wareham, MA -- (ReleaseWire) -- 01/19/2012 -- Local Wareham Mortgage Lender Tim Sturtevant reveals the shocking truth at a new website that is full of free reports and free mortgage calculators.

"The only way for consumers to make an educated decision is to have all of the facts. Let's face it most consumers are simply uneducated when it comes to obtaining the best mortgage product to fit their financial needs and goals." says Tim Sturtevant, a mortgage originator based in Wareham, Massachusetts.

For most consumers a mortgage is the single largest financial transaction they will make during their lifetime. In fact, most mortgage payments account for approximately 32% of consumer's monthly income.

Tim Sturtevant has put together a new website to finally allow consumers the ability to obtain all of the information they need to make an informed decision.

Here is a listing of some of the Insider Tips available at http://timsturt.com

*Little Known Secrets That Will Show You How To Improve Your Credit Score

*Important Terms You Must Know BEFORE Obtaining A Mortgage

*Tested and Proven Strategies For Building A Better Credit Record Faster and Easier

*The Top Mortgage Questions Borrowers Must Ask Before Applying For A Mortgage

*How To Finally Stop Renting And Own A Home Of Your Own

*How To Own A Home With Low Interest Rates And A Low Down Payment, Regardless Of Your Credit

*7 Things You Should NOT Do When Applying For A Home Loan

*12 Secrets To Lowering Your Homeowners Insurance Cost Your Agent Doesn't Want You To Know

Wareham, Massachusetts - based mortgage expert Tim Sturtevant specializes in providing information to consumers that allows them to make informed decisions about their mortgage financing options and learn the insider secrets that can save them thousands of dollars over the life of their loan.

Tim Sturtevant is available for interviews and will welcome all your mortgage related questions.

Call 508.273.0422 for a Free No-Obligation Consultation or visit

http://www.timsturt.com

For more information on this press release visit: http://www.releasewire.com/press-releases/release-3.htm