HARP 2.0

The Home Affordable Refinance Program (HARP) is designed to assist homeowners in the Maryland and Virginia area in refinancing their mortgages – even if they owe more than the home is currently valued at on the market today. The primary goal for Home Affordable Refinance is that refinancing will put responsible borrowers in a better position by reducing their monthly principal and 
interest payments, reducing their interest rate, or moving them from a more risky loan structure (such as an interest-only mortgage or a short-term ARM) to a more stable product (such as a fixed-rate mortgage).

There are just a few requirements that you can determine at home right now!
  •  You can look to see that the loan that you are in is financed by Fannie Mae or Freddie Mac.  You can determine if your loan is a Freddie Mac here,
     http://ww3.freddiemac.com/corporate/ .
    To check if it is a Fannie Mae use the link here, http://www.fanniemae.com/loanlookup//.  
    After you have determined your loan is Freddie or Fannie you are on your way to a HARP refinance! Fannie and Freddie both offer specific programs that allow you to perform your refinance as easy as possible. 
  • The Freddie Mac Relief Refinance MortgageSM – Open Access helps borrowers refinance even if you are not currently servicing their mortgage. This offering is designed to assist borrowers who are making timely mortgage payments, but have been unable to refinance due to declining property values.  This represents our business implementation of the Home Affordable Refinance Program (HARP).
  • Fannie Mae has a similar program called DU Refi Plus™  which is designed to help financially struggling homeowners meet their mortgage payments to keep their homes by refinancing their mortgage and lowering their monthly payments. 
The bottom line is if you purchased a home in the Maryland or Virginia area and now you owe more then the home is worth, then a HARP 2.0 is a great option to BETTER your mortgage


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"Working with Scott has been a truly satisfying experience. He went above and beyond to get us to settle on my refinance and cleared all those hurdles that were in our way. Thank you so much."
Christa Bahre

"Brian, I want to thank you for the wonderful gift! It is so useful and I appreciate it so much. Most importantly, I want to thank you and your staff for the effort you put forth to see that my re-financing went so smoothly. It has given me great peace-of-mind to know that I don';t have to worry about the interest rate going up on my mortgage. Scott was wonderful to work with, so pleasant all the time and eager to answer all my silly questions, not to mention how hard he must have worked to get me the best deal. I would certainly recommend Serenity to anyone interested. Hoping you and your staff have great success in all your endeavors and I';m sure you will."

"Brian and Serenity were great to work with. They not only delivered what they promised, but at the end, our rate was actually lower than they originally quoted. I highly recommend Serenity First Financial and Brian Oates".
Angie J.

"I am SO thrilled about how much money we are saving (nearly $400/month) after refinancing that I';m passing on my neighbor and loan officer's information! Steve is a great guy and he worked with us over the last few months- constantly monitoring home prices in the neighborhood and interest rates to get us the best possible situation. I couldn';t be more pleased!"
Kristin N.

"Thank you so much for all your help and little clip below. Sorry for delay reply. This is a very cute way of letting us know that the loan is clear to close. It is very cleverly expressed. Please note, we are very happy with all your service and promptness of your reply. Thank you so much for keeping us informed on every step of the way...you are such an ASSET to Serenity First Financial LLC. and I am sure your company recognizes that!
Best regards!"
Mahendra and Rameela Patel

"I couldn';t have asked for better service than what I received from your organization. I am so relieved to be free of the ARM mortgage. Scott, you were with me every step of the way, any time I had questions; I really appreciate you."
Marilyn Winstead



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