Worthington, OH -- (SBWIRE) -- 12/02/2013 -- Did you know the government backed HARP 2.0 mortgage refinance program is available for investment properties? Even if you have up to 10 mortgages, you may still be able to refinance to lower HARP rates. If you have PMI currently, we are able to transfer PMI from the current loan to the new loan in most cases. Most HARP 2.0 loans do not require an appraisal which saves money on closing costs. Rates are still very good. If you were turned down before, you should call us, because there have been changes to the program. There are still thousands of people eligible that don't think they are. Could that be you?

What is the HARP 2.0 Program?

The original modified HARP program - HARP 2.0, also referred to as The Making Home Affordable Program, the DU Refi Plus Program, and/or the Obama Refi Program - is specifically targeted towards Ohio homeowners having a loan-to-value ratio less than 125 percent. However, an additional guideline change to HARP 2.0 actually lifted the loan-to-value restrictions. So, Ohio borrowers, even real estate investors, can now refinance under this program.

HARP 2.0 gives Ohio homeowners the ability to refinance at today's low mortgage rates without private mortgage insurance, exorbitant closing costs and fees, and in most cases without an appraisal. Wouldn't it be nice to increase your cash flow on your rentals with a lower payment? Because we have done so many harp loans, we have ironed the bugs out and the process is smooth.

Am I Eligible?

Following are some of the eligibility guidelines. Call me at 614.388.8757 to determine if you are eligible.

1. Your loan must be backed by Freddie Mac or Fannie Mae

2. Freddie or Fannie should have bought your mortgage prior to June 1st, 2009.

3. Borrowers must be current on their mortgage for the last six months, and have no more than one late payment over the past year.

4. The mortgage must not have 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.

5. Must Not be a USDA, FHA, VA or Jumbo Mortgage

We just recently refinanced an investor who had 8 mortgages. Three of these were eligible for a Harp refinance. We transferred the PMI on two of them. Her cash flow increased by $700 a month! We know there are thousands of you who are eligible for these savings.

Investors, this is your chance to refinance, even if you are upside down. Please call me at 614.388.8757 to check to see if you are eligible or go to our website at www.HarpLoansInOhio.com.

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

Worthington, OH -- (SBWIRE) -- 10/21/2013 -- Investors, this press release could increase your cash flow on your rental properties. Have you been turned down for a refinance before because you were upside down or had more than 4 mortgages? The government backed HARP 2.0 refinance program could be the answer to your problem. We have helped investors save hundreds of dollars, even if they had up to 10 mortgages. You may be able to take advantage of the lower HARP rates, even if you have PMI currently. We are able to transfer PMI from the current loan to the new loan in most cases. Most HARP 2.0 loans do not require an appraisal which saves money on closing costs.

We recently helped a client who had 8 mortgages refinance her 3 eligible properties, saving her almost $600 per month. And, she had mortgage insurance on two of them that we were able to transfer to the new mortgages. It is easy to find out if your mortgages qualify, call me at 614.388.8757.

What is the HARP 2.0 Program

The original modified HARP program - HARP 2.0, also referred to as The Making Home Affordable Program, the DU Refi Plus Program, and/or the Obama Refi Program - is specifically targeted towards Ohio homeowners having a loan-to-value ratio less than 125 percent. However, an additional guideline change to HARP 2.0 actually lifted the loan-to-value restrictions. So, Ohio borrowers, even real estate investors, can now refinance under this program.

HARP 2.0 gives Ohio homeowners the ability to refinance at today's low mortgage rates without exorbitant closing costs and fees, and in most cases without an appraisal. Wouldn't it be nice to increase your cash flow on your rentals with a lower payment? If you have been turned down before because you had a rental property, you should check again to see if you qualify.

Am I Eligible

Following are some of the eligibility guidelines. Call me at 614.388.8757 to determine your eligibility.

1. Your loan must be backed by Freddie Mac or Fannie Mae

2. Freddie or Fannie should have bought your mortgage prior to June 1st, 2009.

3. Borrowers must be current on their mortgage for the last six months, and have no more than one late payment over the past year.

4. The mortgage must not have 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.

5. Must Not be a USDA, FHA, VA or Jumbo Mortgage

Investors, this is your chance to refinance, even if you are upside down. Start increasing your cash flow today. Please call me at 614.388.8757 to check your eligibility.

For more information, go to http://www.HarpLoansInOhio.com

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

Worthington, OH -- (SBWIRE) -- 09/17/2013 -- As a result of the recent great recession many borrowers experienced unemployment or other severe reductions in income that caused them to lose their homes to a pre-foreclosure sale, deed-in-lieu, or foreclosure. Some borrowers were forced to file for bankruptcy to discharge or restructure their debts. Because of these recent recession-related periods of financial difficulty, borrowers' credit has been negatively affected.

Help is here! As of August 15th, 2013, FHA is allowing borrowers who have experienced an Economic Event and can provide the proper documentation to verify that event, to be eligible to buy again in one year after the event.

Eligibility for borrowers affected by an Economic Event

FHA insured mortgages usually have a waiting period for bankruptcies, foreclosures, deeds–in–lieu, and short sales, as well as for collections and judgments. However, with this new mortgage program just announced, borrowers may be eligible for an FHA mortgage sooner if they:

- Can document that their problems in the past were a result of an economic event
- Have completed satisfactory housing counseling
- And meet all other HUD requirements

Borrowers will have to show that they experienced an "economic event" such as Loss of Employment, Loss of Income, or both and that their household income fell by 20% or more for a period of at least six months. They must also demonstrate that they have fully recovered from the event and have reestablished Satisfactory Credit for a minimum of 12 months. A very important aspect of the new program is Housing Counseling. The borrower must attend a HUD approved Homebuyer Counseling Program at least 30 days prior to the new application, but no more than 6 months prior to the application.

As with many new programs, there are lots of guidelines and requirements. Call me to see if you qualify at 614.388.8757 or apply at www.OhioMortgageDude.com .

This new program was released from HUD as Mortgagee Letter 2013-26. See the HUD mortgagee letter 2013-26 here

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

Worthington, OH -- (SBWIRE) -- 09/12/2013 -- As a result of the recent great recession many borrowers experienced unemployment or other severe reductions in income that caused them to lose their homes to a pre-foreclosure sale, deed-in-lieu, or foreclosure. Some borrowers were forced to file for bankruptcy to discharge or restructure their debts. Because of these recent recession-related periods of financial difficulty, borrowers' credit has been negatively affected.

Help is here! As of August 15th, 2013, FHA is allowing borrowers who have experienced an Economic Event and can provide the proper documentation to verify that event, to be eligible to buy again in one year after the event.

Eligibility for borrowers affected by an Economic Event

FHA insured mortgages usually have a waiting period for bankruptcies, foreclosures, deeds–in–lieu, and short sales, as well as for collections and judgments. However, with this new mortgage program just announced, borrowers may be eligible for an FHA mortgage sooner if they:

-Can document that their problems in the past were a result of an economic event
-Have completed satisfactory housing counseling
-And meet all other HUD requirements

Borrowers will have to show that they experienced an "economic event" such as Loss of Employment, Loss of Income, or both and that their household income fell by 20% or more for a period of at least six months. They must also demonstrate that they have fully recovered from the event and have reestablished Satisfactory Credit for a minimum of 12 months. A very important aspect of the new program is Housing Counseling. The borrower must attend a HUD approved Homebuyer Counseling Program at least 30 days prior to the new application, but no more than 6 months prior to the application.

As with many new programs, there are lots of guidelines and requirements. Call me to see if you qualify at 614.388.8757 or apply at www.OhioMortgageDude.com .

This new program was released from HUD as Mortgagee Letter 2013-26. See the HUD mortgagee letter 2013-26 here

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

Worthington, OH -- (SBWIRE) -- 08/20/2013 -- Did you know the government backed HARP 2.0 refinance program is available for investment properties? Even if you have up to 10 mortgages, you may still be able to refinance to the lower HARP rates. If you have PMI currently, we are able to transfer PMI from the current loan to the new loan in most cases. Most HARP 2.0 loans do not require an appraisal which saves money on closing costs.

What is the HARP 2.0 Program

The original modified HARP program - HARP 2.0, also referred to as The Making Home Affordable Program, the DU Refi Plus Program, and/or the Obama Refi Program - is specifically targeted towards Ohio homeowners having a loan-to-value ratio less than 125 percent. However, an additional guideline change to HARP 2.0 actually lifted the loan-to-value restrictions. So, Ohio borrowers, even real estate investors, can now refinance under this program.

HARP 2.0 gives Ohio homeowners the ability to refinance at today's low mortgage rates without private mortgage insurance, exorbitant closing costs and fees, and in most cases without an appraisal. Wouldn't it be nice to increase your cash flow on your rentals with a lower payment? If you have been turned down before because you had a rental property, you should check again to see if you qualify.

Am I Eligible

Following are some of the eligibility guidelines. Call me at 614.388.8757 to determine your eligibility.

1. Your loan must be backed by Freddie Mac or Fannie Mae

2. Freddie or Fannie should have bought your mortgage prior to June 1st, 2009.

3. Borrowers must be current on their mortgage for the last six months, and have no more than one late payment over the past year.

4. The mortgage must not have 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.

5. Must Not be a USDA, FHA, VA or Jumbo Mortgage

Investors, this is your chance to refinance, even if you are upside down. Please call me at 614.388.8757 to check to see if you are eligible.

For more information, go to www.HarpsLoansInOhio.com

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

Struggling Ohio homeowners now have real help available through the new FHA streamline refinance program.

Worthington, OH -- (SBWIRE) -- 04/26/2013 -- Ohio mortgage lender, Dave Miller is now offering a newly revamped FHA streamline refinance program aimed at enabling even the deepest underwater or upside down homeowners to reduce their payments and enjoy current record low mortgage rates.

The newly released FHA streamline mortgage no longer requires a home appraisal and offers superior savings in addition to many benefits which Ohio homeowners may not even know exist.

Until the release of the FHA Streamline Refinance program, Ohio borrowers with FHA home loans have had limited opportunities to receive mortgage assistance.

In addition to incredibly low interest rates and massive savings over the life of your mortgage loan, streamlined refinances offer the following benefits:

- Lower Mortgage Insurance
- No appraisals required
- 'No-cost' refinancing possible
- Lower credit scores OK
- No loan balance increase to cover loan costs
- Can refinance even if 'underwater' or 'upside down'
- Minimal paperwork

The Federal Housing Administration (FHA) who insures these home loans actually has no minimum credit score requirement and requires no income verification, although each individual mortgage lender may have their own underwriting guidelines requiring a minimum credit score and additional income verification.

Still, what is really different about the new streamline program is the reduction of mortgage interest for those whose original loans were endorsed on or before May 31st, 2009. According to the FHA this equates to additional savings of over $3,000 at closing and over $100 a month for the average borrower compared to the previous program.

This is on top of the ongoing payment savings for a borrower, which could be thousands of dollars per year depending on the loan amount and interest rate change.

Clearly, no borrower could ask for an easier mortgage program to qualify for and the savings could be quite significant, even for those who already thought they had pretty attractive rates.

FHA Streamline Specialist, Dave Miller says "these FHA loans are an exciting way for people to enjoy double savings with lower monthly mortgage payments and faster equity building with the long term restructuring".

Ohio property owners who currently have FHA loans can discover more information on the program and check out the 60 second eligibility form for personalized quotes and savings calculations at http://ohiomortgagedude.com.

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

The new FHA streamline refinance program provides real help for struggling Ohio homeowners.

Worthington, OH -- (SBWIRE) -- 02/18/2013 -- The release of the FHA Streamline Refinance program, which can really help struggling local homeowners since qualifying for this program is easier than ever, has finally been announced by Ohio mortgage lender, David Miller.

HARP 2.0 delivered relief for some homeowners, but only for those with mortgages backed by Fannie Mae or Freddie Mac.

Thankfully, a real effort has been made to assist Ohio borrowers with FHA mortgages to reduce their monthly payments and take advantage of low interest rates.

Many homeowners have become weary after years of promises that real help was on the way which would make their mortgage payments more affordable and enable them to avoid falling into foreclosure. However, until now initiative after initiative seemed unable to provide real assistance to property owners with FHA home loans.

This now means there are no appraisals being required to qualify so being underwater or upside down on their mortgage will not prevent homeowners from refinancing. The FHA has also announced that it is waiving the necessity for credit reports and income verification to enable more Ohio homeowners to qualify. However, it is important to note that individual mortgage lenders all have their own underwriting guidelines which may mean some income verification is needed as well as a credit check but most will still be far more lenient than trying to get approved for any conventional home loan today. And rates are still low!

When asked about the new FHA streamline program benefits Dave Miller of Affinity Group Mortgage said "This program finally delivers really substantial savings to underwater homeowners and anyone with an FHA loan who has not refinanced in the last six months should seriously consider this option, even if turned down before".

What is really different about the new FHA Streamline refinance program is the reduction in mortgage insurance for those who had their loans endorsed on or before May 31st, 2009. Until now, recent rate increases had eliminated much of the savings for those attempting to refinance or meant they had to bring cash to closing. Now 'no-cost' refinancing is available and that coupled with lower mortgage insurance rates can equal thousands of dollars in savings.

Those interested in finding out more about the FHA Streamline Program or would like to see if they qualify can discover more details on eligibility and receive a customized rate quote by visiting http://ohiomortgagedude.com. But hurry, their is a limited time on this offer.

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

Ohio 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.

Worthington, OH -- (SBWIRE) -- 02/12/2013 -- 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 Ohio homeowners don't know the program exists.

Ohio mortgage originator, Dave Miller educates his potential clients on the basics of this program at his Online HARP Refinance Information Center.

Miller 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 Ohio.

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 Miller, the relaxed stipulations of the HARP 2.0 program have already resulted in a large amount of loan modifications. Those Ohio 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) Fannie Mae or Freddie Mac owned or guaranteed your home loan.

2) Your loan was sold to Fannie Mae or Freddie Mac before May 31, 2009.

3) Your mortgage is current for the last six months.

4) You owe more than your home is worth, or is there minimal equity in your home.

5) 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.

6) You have no more than one late payment over the past 12 months.

7) Your loan is not an FHA, USDA or Jumbo Mortgage.

Call Dave Miller at 614-610-4245 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://ohiomortgagedude.com

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

Ohio Refinancing Expert Dave Miller explains all about the revamped government program that provides refinancing options to homeowners who owe more on their mortgage than their home is worth. It is called HARP 2.0.

Worthington, OH -- (ReleaseWire) -- 03/22/2012 -- Help has finally arrived for Ohio 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.

Dave Miller, a Worthington, Ohio based mortgage consultant, has released a new web site at: http://www.HarpLoansInOhio.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 Ohio 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 Miller, 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."

Dave Miller is available for interviews and will welcome all your mortgage related questions.

Call 614-610-4245 or visit http://www.HarpLoansInOhio.com/.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

Worthington, Ohio based Mortgage Broker Dave Miller 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 Ohio residents all the facts about mortgage refinancing so they can make an educated decision when obtaining a mortgage.

Worthington, OH -- (ReleaseWire) -- 05/21/2009 -- It seems like everyone in Ohio 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, Ohio residents have to be even more careful about shopping for the best loan," says Dave Miller, a Worthington, Ohio 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."

Mr. Miller 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.

Worthington, Ohio - based mortgage expert Dave Miller specializes in providing mortgage information to Ohio 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.

Dave Miller is available for interviews and will welcome all your mortgage related questions.

Call 614-610-4245 for a Free No-Obligation Consultation or visit http://ohiomortgagedude.com

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