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FANNIE MAE HARP 2.0

Underwater on your home? Having trouble refinancing? Not a problem with the HARP!

The Home Affordability Refinance Program or HARP was created in March of 2009 to help homeowners underwater or close to underwater refinance their mortgages. This program allowed homeowners the ability to refinance to more favorable terms when they would not be able to with a traditional conforming program.

This program is only available for mortgages purchased by Fannie Mae before May 31st of 2009.

Find out if your mortgage was purchased by Fannie Mae before May 31st 2009
with the following link. https://knowyouroptions.com/loanlookup

Speak to a One True Loan Advisor for details.

FLEX TERM

Refinance your loan without resetting the mortgage clock!

One True Loan Flex Term provides borrowers with flexible options to select their amortization term!

Flex Term benefits include:

Speak to a One True Loan Advisor for details.

100% GIFT PROGRAM

Use a full gift for the entire down payment!

Clients can now use gift funds from a family member to purchase the home of their dreams and not have to worry about using their own money. Most banks need two months of the monthly payment called a reserve and a contribution of your own money as a down payment when we do not. One True Loan gives our clients the opportunity to hold on to their cash.

Benefits and restrictions include:

Speak to a One True Loan Advisor for details.

PAY ADVANTAGE

No more PMI! (private mortgage insurance)

The Pay Advantage loan was created to give the borrower the lowest payment with the least amount of money down to purchase a home. We can go up to 95% loan to value with no mortgage insurance. This means there is no additional monthly payment like conventional loans over 80% loan to value that have private mortgage insurance. In addition, some people with lower credit scores may not qualify for a loan with private mortgage insurance or (PMI). The Pay Advantage may work for you.

Flex Term benefits include:

Speak to a One True Loan Advisor for details.

California | Idaho | Oregon

One True Loan is compliant with federal, national, and state agencies.