Received: from [192.155.107.239] (port=57588 helo=yahuei8.curenailfungusdo.top) by stodi.digitalkingdom.org with esmtp (Exim 4.86) (envelope-from ) id 1bsN4t-0001wx-4Q for lojban@lojban.org; Thu, 06 Oct 2016 21:48:14 -0700 Date: Thu, 06 Oct 2016 22:03:47 -0700 To: Pruner: 10841233-c2c7e55fbfda4353ca10c7b6e541eeed.6524319 Mime-Version: 1.0 Message-ID: Subject: View Listings for HARP From: HARP Approvals Content-Type: multipart/alternative; boundary="10841233_6524319_10841233" X-Spam-Score: 2.1 (++) X-Spam_score: 2.1 X-Spam_score_int: 21 X-Spam_bar: ++ X-Spam-Report: Spam detection software, running on the system "stodi.digitalkingdom.org", has NOT identified this incoming email as spam. The original message has been attached to this so you can view it or label similar future email. If you have any questions, see the administrator of that system for details. Content preview: Go Here to View HARP: http://choosehere.grcdash.top/m/10841233 Perhaps the American Institute of Certified Public Accountants (AICPA) summarized it best in its newly issued pamphlet: "Accounting: The One Degree with 360 Degrees of Possibilities": "You may already have an idea about what you want to do for a career. Then again, maybe you're not so sure. Either way, there's one degree that gives you the education to succeed at just about anything in the business world. It's an accounting degree. Accounting opens doors in every kind of business coast to coast. It can give you the foundation you need to go on and become a CPA. It can prepare you to become a partner in an accounting firm, to pursue a career in finance or corporate management, to work in government, or even to become an entrepreneur. In fact, no matter what you decide to do, having an accounting background can open doors wide." [...] Content analysis details: (2.1 points, 5.0 required) pts rule name description ---- ---------------------- -------------------------------------------------- 0.0 URIBL_BLOCKED ADMINISTRATOR NOTICE: The query to URIBL was blocked. See http://wiki.apache.org/spamassassin/DnsBlocklists#dnsbl-block for more information. [URIs: standardwayconsulting.info] 2.5 URIBL_DBL_SPAM Contains a spam URL listed in the DBL blocklist [URIs: standardwayconsulting.info] -0.0 SPF_PASS SPF: sender matches SPF record 0.7 SPF_HELO_SOFTFAIL SPF: HELO does not match SPF record (softfail) -1.9 BAYES_00 BODY: Bayes spam probability is 0 to 1% [score: 0.0000] 0.0 HTML_MESSAGE BODY: HTML included in message 0.8 RDNS_NONE Delivered to internal network by a host with no rDNS --10841233_6524319_10841233 Content-Type: text/plain Go Here to View HARP: http://choosehere.grcdash.top/m/10841233 Perhaps the American Institute of Certified Public Accountants (AICPA) summarized it best in its newly issued pamphlet: "Accounting: The One Degree with 360 Degrees of Possibilities": "You may already have an idea about what you want to do for a career. Then again, maybe you're not so sure. Either way, there's one degree that gives you the education to succeed at just about anything in the business world. It's an accounting degree. Accounting opens doors in every kind of business coast to coast. It can give you the foundation you need to go on and become a CPA. It can prepare you to become a partner in an accounting firm, to pursue a career in finance or corporate management, to work in government, or even to become an entrepreneur. In fact, no matter what you decide to do, having an accounting background can open doors wide." --10841233_6524319_10841233 Content-Transfer-Encoding: 8bit Content-Type: text/html; charset="utf-8"

c2c7e55fbfda4353ca10c7b6e541eeed

Home Affordable Refinance Program

When approved for HARP, there are many benefits such as:

- No Mortgage Insurance
- Lower Closing Costs
- Potentially No Appraisal Requirement
- Better Mortgage Terms

Visit here to view HARP Ads.






Who Is Eligible?
Before applying for a HARP loan, it is important to determine if you meet the program's requirements. Although the financial criteria for HARP qualification are quite flexible, other requirements are rather narrow in scope.
Home owners must be current on their existing mortgage. Additionally, you must be able to show at least one year's worth of timely payments. Home owners must have no late payments within the previous six months and are allowed just one 30-day late payment within the past six to 12 months.
HARP loans are available for primary residences, second homes, and investment properties.

Your home's fair market value must have declined since your purchase.
You must be underwater on your mortgage. Specifically, your loan-to-value ratio must be greater than 80 percent.
Your original mortgage must be guaranteed by Freddie Mac or Fannie Mae.
You must have closed on your original home loan before May 31, 2009. Home owners who closed after May 31, 2009 are not eligible for the program.

What Are the Benefits?
HARP loans offer home owners several benefits.

No mortgage insurance. Many home owners discover that refinancing will require them to pay costly mortgage insurance, which protects lenders from an owner's default. With a HARP loan, you are not required to pay mortgage insurance, even if you owe significantly more than your house is worth.

More flexible underwriting requirements. To make the program accessible to more people, HARP underwriting guidelines are significantly more lenient than those of traditional refinance loans. This means that borrowers with less than stellar credit or a high loan-to-value ratio are eligible.

Lower closing costs. Closing costs are capped, which makes the HARP loan an attractive option for home owners who qualify.

No appraisal. In many cases, there is no appraisal requirement. Skipping the appraisal saves home owners both time and money.

Better mortgage terms. HARP loans offer more attractive mortgage conditions, such as lower interest rates and shorter loan terms.

If you are struggling to get by, a HARP loan could help you avoid foreclosure. Although the federal government has extended the program once already, it has made no announcements regarding an additional extension.











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