The revamped government program that provides refinancing options to homeowners who owe more on their mortgage than their house it worth is called HARP 2.0 and is explained by Florida Refinancing Expert, Stephen Verrier.

Palm Coast, FL -- (SBWIRE) -- 03/19/2013 -- 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. Help has finally arrived for Florida home owners whose property values have dropped over the past couple of years.

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

The elimination of the 125% loan-to-value for fixed rate Freddie Mac or Fannie Mae mortgages and the exclusion of appraisals for new properties where there is already a reliable Automated Valuation Model or AVM are two such major changes that help make more people eligible.

Stephen Verrier, a Palm Coast, Florida based mortgage consultant, has released a new web site at: http://thefloridamortgagecenter.com designed to remove the confusion about this 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 the benefits of HARP loans?
- What are HARP loans all about, in a nutshell – in layman's terms?
- Do I qualify for the HARP program?
- What kind of mortgage loans can HARP funds be used for?
- What documents do I need to bring to the lender when I apply?
- And much more…

HARP Specialist Verrier, 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."

The new resource site showcases pages of information to help Florida 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.

Stephen Verrier is available for interviews and will welcome all your mortgage related questions.

Call 904-514-8884 or visit http://thefloridamortgagecenter.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

Palm Coast, Florida based Mortgage Broker Stephen Verrier reveals mortgage refinancing secrets at a new web site that is full of free reports, a home buying guide, free mortgage calculators, and other useful tools. The site is designed to give Florida residents all the facts about mortgage refinancing so they can make an educated decision when obtaining a mortgage.

Palm Coast, FL -- (SBWIRE) -- 03/05/2013 -- It seems like everyone in Florida 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. The addition of the HARP Refinance Product has also made many households that are upside down on their mortgage eligible.

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, Florida residents have to be even more careful about shopping for the best loan," says Stephen Verrier, a Palm Coast, Florida 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."

Verrier 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 also be a dangerous idea for the unwary. 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. They will also be in a position to help you on the road to repairing your credit if necesssary.

Palm Coast, Florida - based mortgage expert, Stephen Verrier, specializes in providing mortgage information to Florida residents. This 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.

Stephen Verrier is available for interviews and will welcome all your mortgage related questions.

Call 904-514-8884 for a Free No-Obligation Consultation or visit http://thefloridamortgagecenter.com

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

Florida Refinancing Expert Stephen Verrier explains all about the revamped government program that provides refinancing options to homeowners who owe more on their mortgage than their house is worth called HARP 2.0.

Palm Coast, FL -- (ReleaseWire) -- 03/19/2012 -- Help has finally arrived for Florida home owners whose property values have dropped over the past couple of years. In order to lower their mortgage payments today and get a good lower 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.

Stephen Verrier, a Palm Coast, Florida based mortgage consultant, has released a new web site at: http://thefloridamortgagecenter.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 Florida 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 Verrier, 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."

Stephen Verrier is available for interviews and will welcome all your mortgage related questions.

Call 904-514-8884 or visit http://thefloridamortgagecenter.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

Palm Coast, Florida based Mortgage Broker Stephen Verrier reveals 3 things you should watch out for when shopping for home-finance products on the Internet.

Palm Coast, FL -- (ReleaseWire) -- 02/10/2012 -- Palm Coast, Florida Based Mortgage Broker Reveals 3 Things Lenders Don't Want You to Know About Shopping for a Mortgage Online

Anyone who's even remotely interested in shopping for a home loan has probably paid attention to all those commercials on TV touting the ease of using any of a variety of Internet services to compare mortgage offers from the comfort of your home. You may even have tried a couple of them yourself. But Stephen Verrier, a Loan Officer with Community Mortgage Solutions, says Palm Coast, Florida residents need to watch out when trying to use the Internet to do the heavy lifting for them.

"Sometimes, these Internet services might work fairly well for certain people." "But the one-size-fits-all approach they offer is going to leave a lot of people with loans that aren't the best for them, or even worse, they may be shut out of the process altogether."

Stephen Verrier says the problem with these services is that they never really get to know anything about your financial situation other than your credit history and income level. "So basically what winds up happening is that you're reduced to a number to them. And if they don't like whatever that number is, you're out of luck."

Here are three things you should watch out for when shopping for home-finance products on the Internet – things most online mortgage sites hope you ignore:

*Do they take the time to find out about your unique situation, or are you just a cyber-borrower in their eyes? Most of these sites simply don't have the manpower to individually work with every borrower. So a lot of times you wind up with a bad loan simply because there was no one to check if they could have gotten you a better deal.

*What do they offer people in special financial circumstances – such as the self-employed or people with damaged credit? Most of these sites don't even want to work with you unless you meet their stringent criteria.

*Do they provide advice to help when choosing between loan products? Most sites simply gather offers, throw them in your lap, and pressure you to choose between them. Unless you're a pretty experienced mortgage pro, deciding on the best offer can be difficult, if not impossible.

So, what's the solution? Use the Internet to educate yourself and then work with a real human being. You may not have thought about "old-fashioned" methods of finding the best deal, such as working with a mortgage broker. "But for anyone who values a real person sitting down with you and working through the process, there's no better option," says Verrier.

Palm Coast, Florida - based mortgage expert Stephen Verrier specializes in providing information to Florida 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.

Stephen Verrier is available for interviews and will welcome all your mortgage related questions.

Call 904-514-8884 for a Free No-Obligation Consultation or visit:

http://thefloridamortgagecenter.com

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

Palm Coast, Florida Based Mortgage Lender Steve Verrier 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.

Palm Coast, FL -- (ReleaseWire) -- 01/31/2012 -- Palm Coast Florida based Mortgage Expert finally reveals the secrets at a brand new website

http://www.thefloridamortgagecenter.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 Florida 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

Palm Coast, Florida - based mortgage expert Steve Verrier 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.

Steve Verrier is available for interviews and will welcome all your mortgage related questions.

Call (904) 514-8884 for a Free No-Obligation Consultation or visit

http://www.thefloridamortgagecenter.com

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