NMLS ID: 398557

Are you having a Hard Time with Your Bank or Lender Approving Your Home Loan? 

We can help.

                                                                                                                                                         Copyright 2017. HomeLoansByU, Inc. All rights reserved

This is not a commitment to make a loan. Loans are subject to borrower qualifications, including income, property evaluation, sufficient equity in the home to meet LTV requirements, and final credit approval. Approvals are subject to underwriting guidelines, interest rates, and program guidelines, and are subject to change without notice based on applicant's eligibility and market conditions. Refinancing an existing loan may result in total finance charges being higher over life of loan. Reduction in payments may reflect longer loan term. Terms of the loan may be subject to payment of points and fees by the applicant. Home Loans By U, Inc. is an Equal Opportunity Mortgage Broker Firm and an Equal Housing Mortgage Broker Firm. NMLS 398557.

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Will Pinnick President

of Home Loans By U, Inc.

Thank you for the opportunity to

to earn your business and we look

forward to becoming your family's 

trusted Home Loan experts.

Harp Loan Program

HARP stands for the Home Affordable Refinance Program.  It was created by the government in response to the housing crash to assist underwater homeowners take advantage of low market interest rates and refinance even though there was no equity in their home.

There are two types of HARP Refinance loans available: The Refinance of an existing Fannie Mae mortgage. Freddie Mac Refi Relief – The Refinance of an existing Freddie Mac mortgage.

Under both programs, homeowners can refinance their current loan as long as the existing mortgage is owned by either Fannie Mae or Freddie Mac and the mortgage was originated prior to June, 2009.  There is no Loan To Value limit under HARP!  You can refinance even if the Loan To Value is 200% or higher. The HARP program also offers a streamlined refinance process- with reduced documentation requirements and in some cases a appraisal is not required.

NMLS ID: 398557

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