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We are starting to get more of the government Home Affordable Refinance Programs loans (HARP 2.0) done across New York including Long Island, Queens, Brooklyn and Staten Island.
Fannie Mae has recently updated their underwriting engine to allow for refinances without appraisals. This is Big! Not only do borrowers save money on the cost of the appraisal but we avoid many loan to equity issues. These refinances can be done up to %150 of the estimated value and do not require PMI insurance.
Only Fannie Mae loans from before May of 2009 qualify, but if you do qualify this is great opportunity to refinance to a super low fixed rate.
Upgrading your house to meet current real estate styles is a great way to improve your house value. However, if you find yourself verifying the sofa for extra change to invest in your next redecorating venture, you may want to consider re-financing your home loan with Artisan Mortgage to free up some extra resources.