http://www.losgatoslending.com/HARP-FHA-PURCHASE-REFINANCE

What is HARP?

HARP is designed specifically to help borrowers who may be ineligible for traditional refinancing due to loss of home value or because they have little (or no) equity. Like other refinancing options, with HARP you receive a completely new mortgage with new terms, interest rates and monthly payments. The new loan completely replaces your current mortgage and may lower your payment, which could help improve your monthly financial situation.

HARP may be an option if:

• You are current on your mortgage payments (and haven’t been more than 30 days late in the last 12 months)
• Your home value has decreased
• Your first mortgage exceeds the current market value of the home
  (i.e., loan-to-value)
• Your loan is owned by Fannie Mae or Freddie Mac

  Today's rate link below: Thursday rates:

http://www.losgatoslending.com/HARP-FHA-PURCHASE-REFINANCE

We know that most people believe getting a mortgage can be frustrating, but our job is to minimize frustration and paperwork. We make the process quick and painless. You picked the home that was the perfect one for you — not for someone else! Our trusted broker can help you pick the mortgage loan that best suits you, too. We get rid of your frustration from application to closing with our promise of "Less paperwork and more personal attention". Bayview Residential has access to mortgage loan programs from multiple lenders and can find the most competative mortgage loan for your needs.

Purchasing

We have FHA, VA and most other special programs to help with your new home purchase.

Refinancing

Refinancing your existing mortgage is probably less difficult than you imagine. If you wish to bring down your interest rate and monthly payment amount, we can show you how. We can even show you how to pay down your balance faster for similar monthly payments. We are just one phone call away at (866) 234-0643.

You may be afraid that it's not possible to refinance and cash out your home equity because of the current economic situation. We want you to know it's not! You've been faithfully making payments, and the equity is yours. If you need it, go ahead and tap into that financial resource. We can find a program to reach your goals.

Our service pledge

Our mortgage team members provide the individual attention you're entitled to and treat you right. You are making a commitment in purchasing a home, refinancing a mortgage, or cashing out your home equity. So here's our commitment to you: we will help you qualify, apply and be approved for the best mortgage loan for you.

You can find out more about us, how simple it is to get the ball rolling, and what we can do for you by exploring our website. Or, contact us at (866) 234-0643.