Ingrid B. Quinn

NMLS ID #211652 Arizona, Loan Consultant

Do You Know Someone Who Is Complaining About their Mortgage?



Although, there have been historically low rates for the past 3 years, many people who want to refinance their home loans have not been able to do so. There are a number of reasons why. They do not have enough equity in their home. Their mortgage is not owned by Fannie Mae or Freddie Mac, which means it is not eligible for HARP programs (Home Affordable Refinance Program) which allows underwater borrowers to refinance. Their credit or employment/income has been damaged by hard economic times. Program guidelines have changed making the refinance not beneficial enough to justify the cost to do the refinance.
So, what are the options for these other folks that are still complaining about the loan they currently have? A lot of people are unsure about what they can/should do. They need to seek advice from a qualified mortgage lender, real estate agent, tax advisor or attorney. These people are in tune with current options. Some options may include, Sale, Short Sale, Foreclosure, Loan Modification or Bankruptcy or maintaining what they have.

Author: ibquinn

I am a Senior Loan Officer at Caliber Home Loans, with over 35 years of Mortgage Banking experience. I have the expertise and knowledge to help focus in on your home-ownership goals and make them into reality. My team of experienced mortgage professionals and I can assist you in all steps of the home buying process and ensure that you have a smooth and hassle-free transaction. Caliber cannot accept mortgage loan applications or inquiries for properties located in New York through this site. Ingrid Quinn NMLS #211652 BK#0923637 Licensed in AZ, CA, OR

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