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Product DescriptionThis digital document is an article from Mortgage Banking, published by Mortgage Bankers Association of America on November 1, 2009. The length of the article is 643 words. The page length shown above is based on a typical 300-word page. The article is delivered in HTML format and is available immediately after purchase. You can view it with any web browser.

Citation Details
Title: HAMP report card for September draws muted applause from administration.(Briefing Book)
Author: Unavailable
Publication: Mortgage Banking (Magazine/Journal)
Date: November 1, 2009
Publisher: Mortgage Bankers Association of America
Volume: 70 Issue: 2 Page: 12(3)

Distributed by Gale, a part of Cengage Learning

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Every other news article is another bailout, another failed loan, another stimulus. The governments role is not home financing. Not student loan funding. Not auto manufacturing. Not banking. Not solar panel manufacturing.

Does anyone knew how could I qualify for a loan modification and what are the requirements needed?

The loan modification is only for mortgage loans, not student loans (just wanted to clarify since you’re asking in the financial aid section). A loan modification is completely up to your lender – they are not required to give you one. If you’re facing foreclosure, you’ll have a better chance of receiving one because no lender is going to modify your loan if you’re paying (they’ll be losing money!). However, once you’re facing foreclosure, the damage to your credit is already done and with no guarantee that your loan will be modified, you may lose your home… so, obviously, this should only be done if you absolutely have to and if you’ll lose your home anyways. Good luck to you.

I’m currently working with our lender to do a HARP and I just wanted to know if anyone else out there as been successful with either a HAMP or HARP and if you did qualify for a HARP, what kind rate did you get? I’m only curious and would like to hear your opinion on these programs and or situation. Thanks! and no lame answers please. I’m looking for HOME OWNERS in the same boat, if you don’t own a home, no need to reply to me!

HARP is a successful program and easy to qualify for if your home is owned by Fannie Mae or Freddie Mac. As long as your mortgage origination date falls in line with requirements it’s an easy streamlined process. HARP 2 will allow unlimited LTV which means it doesn’t matter how far upside down you are.

HAMP on the other hand is a loan modification program and you have to show a hardship to get this and doing a HAMP mod carries some baggage, such as affecting your credit score negatively and restricting future sales and/or refinances for a period of time. HAMP is a long process and requires patience on your part and the cooperation of your current lender. HARP loans can be done by any lender for you. HAMP must be done with your current lender.

If you qualify for HARP, you will get market rates and in some instances, rates less than a standard refinance because the pricing adjustments for credit score have been capped in HARP.

For more detailed info on the HARP program, check this link : http://HARPSupport.Org