Fannie Mae and Freddie Mac have both implemented HARP 2.0 which permits unlimited loan to values for both the first and second mortgages for borrowers who wish to refinance their home mortgage, but currently do not have enough equity to qualify. There is no limit on the first mortgage as long as you meet the credit criteria and there is no limit on the balance of your home equity loan or second mortgage. Income verification may not be required.
First determine whether you have a Fannie Mae or Freddie Mac mortgage loan.
Then complete the form below and we will be able to determine if you qualify to refinance your mortgage.