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"No Equity- Refinancing Programs"

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Refinance with No Equity

  • Do you owe more than your home is worth?
  • Has your home value been reduced and now you can’t refinance in to a low Fixed rate no prepayment penalty mortgage?

    Try our Homeowner Affordability and Stability Mortgage plan.
    It is a financial plan sponsored by the government to help millions of Americans to refinance or restructure their Fannie Mae mortgage in order to avoid foreclosure and losing their homes. It is primarily to help the following people:
    Homeowners who are current in their mortgage payments but can’t refinance because of lower house value.

  • ARM Mortgages, Pay Option, Pick a Pay, Interest only or just high rate first mortgages.
  • Workers who have been laid off or reduced hours and are having a hard time making mortgage payments.

    Q: Can You Get a Refinance Loan with No Equity?

    A: The answer is yes you can, We have a programs that allows homeowners who are:

  • Current on your mortgage payments. Mortgage is more than 80% of the house value but less than 125% of the house value.
  • Conforming loan with Freddie Mac or Fannie Mae.
  • Can’t refinance to take advantage of lower rates.
  • Sufficient income to make new lower mortgage payments.
  • if there is a Second mortgage, they must be willing to subordinate
  • In Most case- no appraisal is required.

    This plan will allow you to refinance your mortgage into a 15 year or 30 year fixed mortgage at a lower interest rate to make the monthly payments more affordable. The purpose of refinancing the mortgage is to lower the monthly payments.

    Questions and Answers:

    Q: My mortgage payment keeps rising and I can’t afford it anymore!

    A: The stability aspect to this plan will help homeowners who are facing rising mortgage payments due to resetting rates to keep their homes. If you are homeowner who is current on their mortgage but about to default on the payments then the following might apply:

  • Reduced monthly mortgage payments.

  • The monthly payments will be lowered so they are no more than 31% of income.
  • This reduction will apply for 5 years after which the rates will gradually return to the original level.
  • Up to $1,000 per year for 5 years in loan reduction paid for by the government if the mortgage stays current.
  • No cash out / Rate and Term only.
  • Second Mortgage Companies must be willing to subordinate

    Q: When does the refinance plan start?

    A: Network Funding, LP has the loan program available to you right now.

    Q: How do I know If I currently have a loan that is eligible?

    A: Find out if your home qualifies – click here. If it does, please print the page and send it to us with all your documents.

    A: What kind of credit score do we need to refinance for this program?

    A: Lower credit scores are acceptable, however higher score will provide you with the best interest rates. You must be current on your mortgage.

    Q: I do not have Mortgage Insurance (MI) now, will you require MI with the new loan?

    A: No , if you don’t have MI now then you will not have it with the new mortgage, however if you are paying MI , You MI payment will not go higher.

    Call us today.

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    Related Information:
    1. “Bank Owned Foreclosures in your Area”
    2. “Tax Credit for Home Buyers Information”
    3. “USDA 100% Home Financing”
    4. How Recent Market Changes Can Affect You
    5. Welcome to Our Blog!
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