Home Affordable Refinance Program (HARP)

To determine your eligibility and to refinance your loan with NLC call 866-447-0266 and ask to speak with a licensed mortgage banker in your state or complete the form to your right.

Options for Determining If You are Eligible and Qualify for a HARP Refinance Loan

Option 1) Call 866-447-0266

Ask the NLC customer service representative to speak with a mortgage banker licensed in your state. An NLC mortgage banker will use your address and other information to determine your eligibility. If you are eligible, the mortgage banker that you speak with can be your representative in completing the HARP loan program.

Option 2) Complete the Form to Your Right

When we receive your information electronically, an NLC mortgage banker, licensed in your state, will follow up with you by phone.  Your NLC mortgage banker will use your address and other information to determine your eligibility. If you are eligible, the mortgage banker that you speak with can be your representative in completing the HARP loan program.

More Information about the Home Affordable Refinance Program (HARP)

If you are a homeowner with a mortgage, the Home Affordable Refinance Program (HARP) is designed to assist you with refinancing your mortgage loan. Even if you owe more on your mortgage than the current value of your home, you may be eligible for a HARP Loan. If you qualify for a HARP Mortgage Refinance, we can provide you with a new, more affordable mortgage loan. While a HARP loan is a great way to lower your loan payments, it is also a great program for reducing the term (length) of your loan or converting your ARM (adjustable rate mortgage) to a fixed-rate mortgage to increase your financial security. Nations Lending Corporation is a direct lender offering HARP refinance loans to homeowners who are eligible. We are also able to refinance your home loan if you have mortgage insurance (PMI) or don't have mortgage insurance.

HARP Loan Program Eligibility and Qualifications

If the value of your home has declined recently and you have been keeping up with your mortgage payments, you may be eligible to refinance your loan through Nations Lending Corporation and the HARP program. A few other factors must be considered to determine your eligibility for the HARP program. These include the date when you mortgage loan was closed, what entity guaranteed your loan, the amount of your loan and the value of your home. An NLC mortgage banker, licensed in your state, will be happy to talk with you on the phone to help you determine if you are qualified for the HARP program.

How to Begin the HARP Loan Application Process with NLC if You Are Eligible and Qualify

Step 1
Once you have called 866-447-0266 or completed the form to your right and a licensed mortgage banker in your state has contacted you by phone to determine that you are eligible for the HARP program, you will have the option to apply.

Step 2
You can apply right over the phone within 5-10 minutes, while talking to the mortgage banker who determined that you qualify for the HARP program. There are no fees or charges for applying for a HARP loan with NLC over the phone.

Step 3
If you are eligible and you are approved for a HARP refinance loan, loan documentation will be sent to you by your choice of email, mail, fax, or e-signature technology. The HARP loan documentation sent to you by your mortgage banker should be signed and returned.

Step 4
Once your mortgage banker receives your signed HARP loan documentation, they will then keep you up-to-date by phone or email during the HARP loan closing process.

Step 5
Once your HARP refinance loan is ready for closing, your mortgage banker will schedule a closing date and time with you. At this time, a closing agent will meet with you, in-person, to sign the final closing documents.
 

Additional Information
 

Refinance your mortgage with a HARP loan. Call 866-447-0266 or complete the form to your right to see if you qualify.

If you are a homeowner with a mortgage, the Home Affordable Refinance Program (HARP) is designed to assist you with refinancing your mortgage loan. Even if you owe more on your mortgage than the current value of your home, you may be elibible for a HARP Loan.

Lower your mortgage payment with a HARP loan by calling Nations Lending Corporation at 866-447-0266, fill out the form to your right, chat with a mortgage expert online (click on the Live Support image in the top right corner of this page) or email info@nlcmortgageloans.com to discus options for refinancing your mortgage through the HARP 2.0 Mortgage Refinance Loan Program.

Nations Lending Corporation is now focusing on HARP Loans to lower mortgage payments for underwater homeowners due to the recent FHFA changes to the HARP 2.0 Mortgage Refinance Loan Program.

Jeremy E. Sopko (C.E.O.) and William L. Osborne Jr. (C.F.O) of Nations Lending Corporation recently issued a press release announcing that the company is now focusing it's mortgage lending expertise to assist homeowners in refinancing their mortgages. NLC, an expanding national mortgage lender, is now underwriting new mortgage loans for homeowners who owe more than the home’s current value.

Our Cleveland, Ohio based retail and residential mortgage banking company, is ideally suited to provide HARP 2.0 (II) loans. Nations Lending Corporation is a HARP loan provider that is enthusiastically responding to the Federal Housing Financing Agency (FHFA) announcement related to enhancements to the Home Affordable Refinance Program (HARP) in order to help responsible borrowers. Our firm provides outstanding development and training programs to it's mortgage bankers at our corporate campus in Independence, Ohio. As a result of Nations Lending Corporations commitment and focus on providing the best Home Affordable Refinance DU Refi Plus options to borrowers, we are now considered one of the fastest growing Home Affordable Refinance lenders in the United States.

Nations Lending Corporation is now accepting phones call at 866-447-0266 from homeowners who want help in order to lower their monthly mortgage payments, reduce their term or to transition from an ARM (adjustable-rate mortgage) to a fixed-rate mortgage. The mortgage bankers that answer questions over the phone at NLC, regarding the Obama Administration’s Making Home Affordable Program and HARP II, focus on helping underwater property owners to refinance (Refi) their mortgage loan. Nations Lending Corporation is dedicating a larger percentage of our mortgage lending officers to specialize in funding shorter term mortgages in order to reduce borrower's fees and restore their equity at a faster pace. Nations Lending Corporation is receiving positive business reviews and ratings from our customers and mortgagors because we are efficiently refinancing Fannie Mae and Freddie Mac mortgages. Business practices that have recently been implemented at our company have greatly simplified the loan refinancing process for primary residences, second homes and investment properties.

Mortgage bankers at Nations Lending Corporation, understand the value of home appraisal waivers to HARP loan applicants. The mortgage lenders at NLC use reliable automated valuation models and are knowledgeable with the rules and guidelines related to Property Inspection Waivers (PIWs).  Nations Lending Corp. assists HARP borrowers by saving them the expense of a home appraisal and by increasing the likelihood that they will qualify for a HARP loan.

Our financial institution is now providing HARP loans to homeowners who experienced refinancing difficulties in the past. NLC is approving mortgage loans for borrowers who are current with their monthly payments. As a direct mortgage lender, we are now able, due in large part, to the HARP II enhancements, to approve mortgage refinancing so that homeowners can lower their interest rate and overall monthly payment. A significant feature of HARP Phase 2.0 is the elimination of the loan-to-value cap for fixed-rate loans. There is no longer a maximum LTV (loan-to-value) for fixed-rate loans, which are the primary types of HARP loans that Nations Lending Corporation is providing our customers.

Nations Lending Corporation is dedicating enormous resources to promoting the federal government's revamped mortgage-refinancing program to help underwater homeowners who have limited equity or negative equity.  Borrowers who consider themselves to be "upside down" are being encouraged by Nations Lending Corporation to lower their monthly principal, interest rate, interest payment and their amortization period.

Nations Lending Corporation is providing funding to borrowers so that they can refinance their mortgage regardless of how much the value of their home has fallen. In many cases, the loan officers at Nations Lending Corp. are able to eliminate underwriting and appraisals in order to streamline the loan closing process. Homeowners that are considering applying for a HARP loan through Nations Lending Corporation should be aware that the deadline to get a HARP refinance is December, 31, 2013.

President Barack Obama's overhaul to the HARP 2.0 Mortgage Refinance Loan Program is providing many homeowners, who meet certain requirements, the opportunity to refinance at lower mortgage rates through Nations Lending Corporation. Nations Lending Corporation customers who receive HARP loans frequently save hundreds of dollars every month. Homeowners who are saying to themselves "how do I lower my mortgage rate" or "how do I lower my mortgage payment" can now get mortgage relief as a result of the Obama Administration's initiatives, Making Home Affordable (MHA) and Home Affordable Refinance Program (HARP).

Homeowners that were previously struggling with their mortgage loan payments are now in a stronger financial position because they have received interest rate reductions and mortgage loan refinancing from Nations Lending Corporation. Homeowners and property owners who want to lower their mortgage payment and lower their mortgage rate with a HARP loan should call 866-447-0266.

Disclaimer:  The interest on the portion of the credit extension that is greater than the fair market value of the dwelling is not tax deductible for Federal income tax purposes: and the consumer should consult a tax adviser for further information regarding the deductibility of interest and charges.