THE MORTGAGE LENDER TAMPA TRUSTS FOR

H.A.R.P. LOANS

You're less than 5 minutes away from saving your underwater home!

Simple Process.
Honest Communication.
No Hidden Surprises.

Wholesale Rates

We are a hybrid lender with access to Wholesale rates. Unlike mortgage brokers, we keep everything in house from application to closing.

Our processors, underwriters and closers have a clean, efficient and reliable system to make sure your deal closes on time.

Premium Service

With a bank you may be seen as just a number, our clients have access to our team outside of normal business hours and on weekends when you need to reach us or have questions.

Do you want to learn more about H.A.R.P. LOANS?

Check our video overview

Loan Requirements

Clear copy of your Driver’s License or Green Card if not US Citizen.
Two or more current, consecutive pay stubs; to equal one full month of pay
Last two years of W-2’s or 1099’s
Last two years of complete tax returns with all schedules.
Two current months of bank statements on all accounts, including pages intentionally left blank

*Each mortgage is unique and depending on your situation (bankruptcy, citizenship, etc), other documentation may be required. Please call for free consultation.

MOST COMMON QUESTIONS

What are the eligibility requirements for a HARP loan?

The mortgage has to be owned or guaranteed by Fannie Mae or Freddie Mac. It must also have been sold to either Fannie Mae or Freddie Mac on or before May 31, 2009.The borrower MUST be current on the mortgage at the time of the refinance, with no late payment in the past six months and no more than one late payment in the past 12 months.

How does a borrower get a HARP loan?

At Tampa one the first thing we do is assess your eligibility. Once we know you’re a candidate for the program we immediately move to the paperwork application phase where you would supply the necessary document. Among those documents are, your most recent income tax return, information about any smaller lien mortgages on the house. We would also itemize minimum monthly payments due on all of your credit cards and monthly payments on all your other debts.

WHAT OTHERS ARE SAYING

“I have had the pleasure of working with Chris Kidder at the Mortgage Firm for several years now and it continues to be an outstanding experience. His team is very accessible, responsive and always keeps me updated.”

Maria Kletchka

Realtor®, Keller Williams Tampa Properties

UNDERSTANDING H.A.R.P. LOANS

By paying your mortgage on time and owing more money than your home is worth, you automatically qualify for the Home Affordability Refinance Program (HARP). This program is designed to help you avoid a short sale, away from foreclosure and in your home. For using this refinancing tool you will save hundreds of dollars per month even if you have little or no equity in your home. You’ve been responsible up to this point, now it’s time to have more cash on hand to buy a new car, provide for loved ones or take care of personal needs. A HARP Loan is financial freedom and a good mortgage consultant will work hard to make sure you get the best terms, interest rate and possibly save you thousands of dollars. At Tampa One our experienced full-time loan officers are organized and only service a limited number of loans at a time to ensure your loan gets the individual attention it deserves. We put a lot of emphasis on understanding every aspect of your finances to be sure we are fully prepared for any curve balls that might be thrown our way. Our attention to detail ensures that you get what you deserve.

Some good reasons for getting a HARP Loan are…

Lower you monthly payment and reduce your interest rate
You can get a loan if your home is underwater
Loan periods can be as short as 10 years or as long as 30 years
You qualify as long as your Loan is owned by Freddie Mac or Fannie Mae

Beware of HARP scams! There are companies all over the internet that will make promises about how they can help you with HARP and many of them are scams. Any company you talk to shouldn’t charge you a fee for “counseling” or ask you to sign paperwork to work with them exclusively. An approved HARP lender can send you their government sanctioned verification paperwork; make sure you see it before you do anything.

We explain every aspect of the process and your loan options in terms you will understand. This ensures that you will have the best possible outcome for your pocket book and your property. Once you’re a client our loan officers will be available to you outside of normal business hours and on weekends when you need to ask questions throughout the process.

Refinancing your loan provides flexibility

You’ve paid your mortgage responsibly for years now, it’s time to live a little and spend a few hundred dollars less per month to stay in your home. You’ve earned this flexibility which allows you to use your home as an investment and create financial freedom at the same time you are enjoying the stability of home ownership.

Integrity, Transparency, Knowledge and Availability are what makes Tampa One stand out – experience the difference
We can have you walk away from the closing table with cash in hand, because Tampa One can get you the best available interest rates and the lowest possible monthly payment. Many large mortgage companies and banks can only give you one interest rate option with a loan offer because they are forced to lend their own money. Some of the small local mortgage companies have the ability to shop for rates, but they’re stuck with whatever their lending partners have to offer. Tampa One has the ability to get you the best rates because we work closely with multiple A-rated mortgage companies and we are a direct lender. This means we can shop for the best rates nationwide and Tampa One also has the ability to directly loan you our money to refinance your home. At Tampa One our process is built on integrity, knowledge, transparency and availability to ensure that you get the best possible outcome for yourself, your loved ones and your future.