MODIFYING THE OLD HOME LOAN WITH the NEW OBAMA HELP!

I told a friend "You have to get this 8 percent INTEREST RATE you are PAYING on your PROPERTY LOWERED!  If you FIND a way to lower that rate, refinance, I want to hear about it. The world wants to hear about it." She responded: "I've got an 8% or worse note rate on my mortgage because I have a 2 family and the loan was a NINA loan. (no income, no asset). Given the circumstances I got all excited about HARP until I discovered that it seems neither Fannie Mae nor Freddie Mac owns my loan. I also don't qualify for HAMP because my income is just a wee tad too high now that I'm working full time again. I've got the income guideline beat by pennies. I guess I should be grateful that my situation is so good that I don't qualify for help. I'd rather have it that way than be underemployed again. There was not word one in there about whether one would qualify if one had had a bankruptcy. Perhaps that doesn't matter to them.

I had sent her the "refinance easy with HARP program
http://makinghomeaffordable.gov/borrower-faqs.html

LOW INTEREST RE-FINANCE, is no headache anymore. The Making Home Affordable Program is part of the Obama Administration's broad, comprehensive strategy to get the economy and the housing market back on track. The Making Home Affordable Program offers strong options for homeowners: (1) refinancing mortgage loans through the Home Affordable  Refinance Program (HARP), (2) modifying first and second mortgage loans
through the Home Affordable Modification Program (HAMP) and the Second Lien Modification Program (2MP), (3) providing temporary assistance to  unemployed homeowners through the Home Affordable Unemployment Program (UP), and (4) offering other alternatives to foreclosure through the Home Affordable Foreclosure Alternatives Program (HAFA).

REFINANCE SO PAYMENT IS BIGGER AND YOU PAY OFF FASTER: The advantages
http://homes.yahoo.com/news/first-person-refinancing-twice-pay-off-mortgage-early-165500270.html

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Our POSTER is ANITA SANDS HERNANDEZ, Los Angeles Writer, Futurist and Astrologer. Catch up with her websites  TRUTHS GOV WILL HIDE & NEVER TELL YOU, also The  FUTURE, WHAT'S COMIN' AT YA! FRUGAL LIFE STYLE TIPS,  HOW TO SURVIVE the COMING GREAT DEPRESSION, and Secrets of Nature, HOLISTIC, AFFORDABLE HEALING. Also ARTISANRY FOR EXPORT, EARN EUROS....* Anita is at astrology@earthlink.net ). Get a 15$ natal horoscope "my money/future life" reading now + copy horoscope as a Gif file graphic! No smarter, more accurate career reading out there!

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