h***b
发帖数: 1233 | 1 留意这新政策适用于未能满足银行在 refi 时一般要求房子有20% Equity，或是房子买
入后跌价，不幸"潜水"（负资产）的苦业主。具体细节有待两房公布，银行大约会在11
月中以后开始执行，执行过程中可能有相对严的要求，因为新政策是基于 voluntary
basis...
Obama gov't & Fannie & Freddie are coming w/ out new HARP (home affordable
refi program) guidelines that remove limit on LTV (was up to 125%, or -ve 25
% equity). big caveat--HARP is NOT mandatory and thus participating
lendersmay impose stricter guidelines...
1. Existing mortgage loan must be owned or guaranteed by Fannie Mae or
Freddie Mac.
2. Existing mortgage loan must have been sold to Fannie Mae or Freddie Mac
before June 1, 2009.
3. Existing mortgage loan cannot have been refinanced under HARP previously
(except for Fannie Mae loans refinanced between March and May 2009).
4. Current loan-to-value (LTV) ratio must be more than 80%.
5. Existing mortgage loan must be current, with no late payments in the past
six months, and no more than one late payment in the past 12 months.
欢迎加入＂言之有屋＂Irvine Mortgage & RE 俱乐部和我的博客
http://www.mitbbs.com/club_bbsdoc/charles.html |
|
