korene@wjbradley.com
HARP 2.0 Refinance Checklist - Steps To Getting Approved

Determine If Your Loan Is Backed By Fannie Mae or Freddie Mac

You can check "lookup" forms on the Fannie Mae and Freddie Mac web sites. However, keep in mind that these web forms are not always accurate as the address would have to be exactly the same as was recorded with Fannie or Freddie.

Click Here To Check Fannie Mae | Click Here To Check Freddie Mac

Or, you can have us check for you:


Submit Your Personal Information By 
Completing Our Secure Online Application



You need to gather the following for HARP Approval:

  • Details of your residential addresses for the last two years is mandatory along with some documentation of proof of residence like your passport, social security card, electric or telephone bill.
     
  • A copy of your latest pay stub (Prior 30 Days) showing gross salary for the month
     
  • W-2's to confirm the last two years' employment history.
     
  • Last 2 Year's Federal Tax Returns
     
  • Bank account for the last 2 months detailing for both checking and savings accounts need to be included by enclosing copies of of all bank statements.
     
  • Copy of the social security cards for all borrowers need to be included.
     
  • Copy of your current mortgage statement.
     
  • Copy of Driver's Licenseor Passport for all borrowers need to be included.
     
  • Also submit name, address and phone number of all employers for all borrowers during the preceding two years; declaration of ownership of any other property; current value of the property owned by you; DD-214 form and eligibility certificates for veterans and other detailed information on any outstanding mortgage loans.

Fax or scan all the items from Step 3 to me at:

Fax: (623) 218-1807 or Scan to korene@wjbradley.com or Call Me at (623) 340-0934 for other options

An important thing to remember is that applying for a HARP loan on property in Arizona or California may initially be quite confusing given the number of forms that need to be completed and you must realize that the organization is not your money lender, but an insurer of your loan from a bank or financial institution. However, do not make the mistake of applying for large credit lines, buying new vehicles or increasing your credit card limit. This will undoubtedly negatively affect the income to debt ratio and could disqualify you from getting a HARP loan.

One last tip: your papers must be absolutely current, valid and in order. Failure to enclose even one minor document can disqualify you. When going to submit your papers, make sure that you carry all originals that may be verified against enclosed copies if required. These include bank statements, check stubs and all assorted loan papers which the authorities have every right to check and may ask  for from time to time while processing your application.

If you have any questions or concerns, please do not hesitate to call my office at (623) 345-0934 or email me at korene@wjbradley.com . I am here for you!


Korene Clopine-Seaman
Your Arizona and California HARP Program Specialist

Email: korene@wjbradley.com

Phone: (623) 340-0934


                                

Contact Korene Clopine-Seaman, your Arizona  and California HARP Refinancing Expert, to setup a free consultation to determine if you are eligible for the HARP program. I will be honored to work with you!