Underwater Refinance

Underwater Turtle Searching for his Home


We have a NEW Mortgage program that can help!

With the new Home Affordable Refinance Program (HARP) loan, you may be able to refinance no matter how upside-down your mortgage is!

Are you worried about making your payments? Would you like to have more cash in your pocket every month? Do you want to pay your loan off faster?
Freddie Mac and Fannie Mae have adopted changes to the Home Affordable Refinance Program (HARP) and you may be eligible to take advantage of these changes. If you currently have a mortgage held by Fannie Mae or Freddie Mac, the HARP II refinance loan can help you lower your interest rate, decrease your monthly payments and help you start turning your finances around.

Appraisals may be waived

No LTV/CLTV restrictions on fixed-rate loans of 30 years or less

Only 620 FICO required

Loan was sold to Fannie or Freddie before June 1, 2009

If your mortgage is owned or guaranteed by either Freddie Mac or Fannie Mae, you may be eligible to refinance your mortgage under the enhanced and expanded provisions of HARP 2.0.   The refinance must benefit you in one of four ways:

Reduction in the borrower’s monthly principal and interest payment

Reduction in the interest rate

Reduction in the amortization term

Movement to a more stable product (i.e., interest-only to fully amortizing, ARM to fixed, 30-year to 15-year, etc.)

If you have a Fannie Mae- or Freddie Mac-owned home loan, call me today. I’m here to help make sure you have a home financing program that works for YOU. Let’s see if the HARP II loan is the solution you’ve been looking for!
You can determine whether your mortgage is owned by either Freddie Mac or Fannie Mae by checking the following websites:


W.J. Bradley Mortgage Capital, LLC

© 2012 W.J. Bradley Mortgage Capital, LLC. 6465 Greenwood Plaza Blvd, Suite 500, Centennial, CO 80111 Phone #303-825-5670. NMLS ID 3233. Trade/service marks are the property of W.J. Bradley Mortgage Capital, LLC. This is not a commitment to lend. Restrictions apply. All rights reserved. Some products may not be available in all states. WJB is not
acting on behalf of or at the direction of HUD/FHA or the federal government.
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Mortgage Banker License No. 699991. NMLS consumer access:


Caroline Gerardo

Mortgage Loan Originator

W.J. Bradley Mortgage Capital, LLC

20341 SW Birch St., Suite 330

Newport Beach, CA 92660

Office: 949.637.8190

Cell: 949.784.9699

NMLS: 324982

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