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HARP (Home Affordable Refinance Program): VA, MD, DCWhat is the Home Affordable Refinance Program (HARP)? The Home Affordable Refinance Program was created in March of 2. HARP is a federal government program designed to help 5 million underwater or near- underwater homeowners refinance into a fixed loan with a lower monthly payment. However, as of August 3. HARP. The program was extended to Dec. What is the difference between the old HARP Program and HARP 2. Some of the major changes to the HARP program include: No or less strict underwater limits. Previous loan- to- value limits were set at 1. In some cases, eliminating appraisals and underwriting. A conforming loan is one. However, in high cost areas (such as most counties in. We encourage you to check, as most homeowners do not know if their loan is. To “look up” your mortgage, check Fannie Mae. In layman’s terms, banks and lenders make the loans to borrowers and then turnaround and sell them to Fannie Mae or Freddie Mac. This is a very common practice and most banks sell many of the loans they make to Fannie Mae or Freddie Mac. However, not all loans can be sold to Fannie Mae or Freddie Mac, including Federal Housing Administration (FHA), Veteran’s Administration (VA) or United States Department of Agriculture (USDA) loans. Additionally, community banks and credit unions tend to sell loans to Freddie Mac and Fannie Mae less frequently than the national banks. There is very little difference between the two enterprises. Will the Home Affordable Refinance Program help me avoid foreclosure? If you are at risk of foreclosure due to a current inability to pay your home loan on time than you will not qualify for the Home Affordable Refinance Program (HARP). If you are current on your loan but are in need of a smaller monthly payment due a potential inability to pay your mortgage, than the HARP program may help you avoid foreclosure. If I refinanced with HARP a few years ago, can I refinance again with HARP 2. No, according to the Federal Housing Finance Administration (FHFA) your mortgage cannot have been previously refinanced under HARP to be eligible for HARP 2. However, there is one exception to this rule. If you hold one of the handful of Fannie Mae backed mortgages that was refinanced under HARP from March- May, 2. I put down 2. 0% when I bought my home. My home is now underwater. If I refinance with HARP, will I have to pay mortgage insurance now? No, if you were not required to get mortgage insurance when you bought your home, you will not be required to get MI when you complete a HARP refinance. I looked into getting a HARP refinance before but it was so expensive. Has the cost to refinance through the HARP program changed? Yes, the HARP 2. 0 program will lower or even eliminate certain risk- based fees depending on the loan program you refinance into. MHA Steps Home Affordable Refinance Program (HARP) Home Affordable Refinance Program. Does this mean I can refinance for free? No, unfortunately no matter what loan program you refinance into, you will incur some fees, they’ll just be lower than they would’ve been with the original HARP program. The Home Affordable Refinance Program (HARP) is part of the federal government's Making Home Affordable initiative. Making Home Affordable's goal is to help homeowners stay in their houses and avoid foreclosure. Can I roll in my associated costs and fees into my loan balance? Yes, you can roll in costs and fees associated with your HARP refinance into the principal balance of the loan. Am I required to use my current loan servicer for a HARP refinance? What if my loan servicer is not participating in the HARP program? No, you are not required to use your current loan servicer for your HARP refinance though it may be easier to do so because they already have you on file. However, you can use any participating HARP program lender to complete your HARP refinance. Can I refinance a home that I no longer live in but currently rent out? Yes, you can refinance your rental that was once your primary home under the HARP 2. My loan is underwater and is not backed by Fannie or Freddie. Can I still refinance? If you currently have an FHA loan (a loan insured by the Federal Housing Administration) or a VA loan (a loan insured by Veterans Affairs) then you may be eligible for a Streamline Refinance if your mortgage is currently underwater. For those with loans not insured by Fannie, Freddie, FHA or VA, unfortunately there are no other programs available for mortgages that are underwater. Please stay tuned for updates regarding new programs that may be become available for those who loans are not backed by these agencies. Eligibility & Mortgage Rates for 2. HARP Mortgage. The HARP mortgage is a home loan refinance program launched in March 2. LTV). It goes by several names. The government calls it the Home Affordable Refinance Program. The program is also known as Making Home Affordable, the Obama Refi, A Better Bargain For U. S. Homeowners, DU Refi Plus, harp mortgage and Relief Refinance. The HARP loan requirements are: Your loan must be backed by Fannie Mae or Freddie Mac. Your current mortgage must have a note date of no later than May 3. If you meet these two criteria, you may be HARP- eligible. If your mortgage is an FHA, USDA, VA or a jumbo mortgage, you are not HARP- eligible. Underwater FHA mortgages can be refinanced via the FHA Streamline Refinance program. Underwater VA mortgages can be refinanced via the VA IRRRL mortgage program (VA Streamline Refinance). Underwater USDA loans can be refinanced via the USDA Streamline Refinance program, which is available in most states. HARP Refinance : Questions and Answers. Do these question- and- answers account for the . This post includes the latest changes as rolled out by the Federal Home Finance Agency on October 2. Fannie Mae and Freddie Mac on November 1. HARP 2. 0 was formally released by Fannie Mae and Freddie Mac March 1. Is . The program is also known as DU Refi Plus and Relief Refinance, and many mortgage lenders call it . HARP is a specific mortgage refinance product. The changes suggested by the White House may later manifest as HARP 3, but we don't know when HARP 3 will pass, if ever. How do I know if Fannie Mae or Freddie Mac has my mortgage? Fannie Mae and Freddie Mac have . Check Fannie Mae's first because Fannie Mae's market share is larger. If no match is found, then check Freddie Mac. Your loan must appear on one of these two sites to be eligible for HARP. If my mortgage is held by Fannie Mae or Freddie Mac, am I instantly- eligible for the Home Affordable Refinance Program? No. There is a series of criteria. Having your mortgage held by Fannie or Freddie is just a pre- qualifier. My mortgage is held by Fannie/Freddie. Now what do I do? Find a recent mortgage statement and write . Give that information to your lender when you apply for your HARP refinance. My mortgage is backed by Wells Fargo. Am I eligible for HARP? It's possible that your mortgage is backed by Wells Fargo, but the more likely answer is that Wells Fargo is just your mortgage servicer; the bank that collects your payments. Wells Fargo backs very few of its own loans. Most loans for which payments are sent to Wells Fargo are backed by either Fannie Mae or Freddie Mac. Double- check with Fannie Mae and Freddie Mac before assuming Wells Fargo backs your loan. My mortgage is backed by Bank of America. Am I eligible for HARP? Bank of America does back some of its own loans, but the more likely answer is that Bank of America is your mortgage servicer; the bank that collects your monthly mortgage payments. Bank of America backs very few of its own loans. For most loans for which payments are sent to Bank of America, Fannie Mae or Freddie Mac are the actual loan- backers. Double- check with Fannie Mae and Freddie Mac to make sure Bank of America doesn't hold your loan. My mortgage is backed by Chase. Am I eligible for HARP? There is a chance that Chase backs your loan, but what's more likely is that Chase is just your mortgage servicer; the bank that collects your payments each month. Chase backs very few of its own loans. For most loans for which payments are sent to Chase, you'll find that Fannie Mae or Freddie Mac are the actual loan- backers. Double- check with Fannie Mae's and Freddie Mac's websites to make sure your loan is not held by Chase. My mortgage is backed by Citi. Mortgage. Am I eligible for HARP? Your mortgage statement may have the Citi. Mortgage logo on it, but that doesn't necessarily mean that Citi. Mortgage back your loans. It's more likely that Citi. Mortgage is your mortgage servicer; the bank paid to process your payment each month. With most loans for which payments are sent to Citi. Mortgage, the actual loan- backer is Fannie Mae or Freddie Mac. Double- check with Fannie Mae's and Freddie Mac's websites to see if you can find your loan. My lender won't do HARP. Can I use HARP with another lender? Yes. You can do the HARP loan with any participating mortgage lender. This is a major change from the original HARP. The government is trying to get as many people access to the program as possible. If you were once turned down for HARP by your original mortgage lender, re- apply somewhere else. You'll likely have better luck. My mortgage servicer does not do new mortgages. How do I use HARP? Not all mortgage servicers have loan officers on staff. However, that should no bearing on your ability to get a HARP refinance. You can work with any participating lender in the country. What if neither Fannie Mae nor Freddie Mac has a record of my mortgage? If neither Fannie nor Freddie has record of your mortgage, your loan is not HARP- eligible. However, you may still be eligible for a . Use this form to get a rate quote to see your options. What does the term . It's a software program that simulates mortgage underwriting. The name has been trademarked, however. What does the term . Can I use HARP? Yes, if you have a 4. HARP. You must make sure that you mortgage is backed by Fannie Mae or Freddie Mac, though, and that you meet all other eligibility requirements. My lender says its not set up for Freddie Mac. How do I do a HARP loan? Not every bank is participating in the HARP 2. If you've been told that your bank can't or won't help you, just try with a different bank. There are many banks that are participating in the program. I have a jumbo mortgage. Can I use HARP 2. No, HARP 2. 0 is not meant for jumbo mortgages. It's for mortgages backed by Fannie Mae or Freddie Mac only. There had been talk of a HARP 3 program which may have added access to HARP for non- Fannie Mae and non- Freddie Mac mortgages but the FHFA recently said making a HARP 3 program was not a current priority. You can read more about HARP 3. I have an Alt- A mortgage. Can I use HARP 2. No, HARP 2. 0 is not meant for Alt- A mortgages. It's for mortgages backed by Fannie Mae or Freddie Mac only. Alt- A mortgages were among the loan types rumored to be a part of HARP 3, but HARP appears unlikely to pass at this time. The FHFA has said that the creation of a HARP 3 loan is low- priority at this time. I have an interest only mortgage. Can I use HARP 2. If your current mortgage is interest only, you may be able to use HARP. If your interest only mortgage is a conforming loan backed by Fannie Mae or Freddie Mac, you should be HARP- eligible. Otherwise, your loan may be an Alt- A or sub- prime mortgage in which case you will not be HARP 2- eligible. I have a balloon mortgage. Can I use HARP 2. If your current mortgage is a balloon mortgage, you may be able to use HARP. It depends on whether your loan is conforming, and whether it's backed by Fannie Mae or Freddie Mac. What is HARP 3? HARP 3 is the supposed next iteration of HARP. It's been referred to as . In May 2. 01. 4, the FHFA announced that expanding HARP 2 into HARP 3 would be unlikely prior to the program's expiration. Does HARP work the same with Fannie Mae as with Freddie Mac? Yes, for the most part, the program is the same with Fannie Mae as with Freddie Mac. There are some small differences, but they affect just a tiny, tiny portion of the general population. For most people, though, the guidelines work the same. My bank sent me a HARP rate quote by mail. It looks like a high interest rate. Should I shop it around? Yes, you should always compare HARP mortgage rates because they can vary widely from bank- to- bank. You may save a lot of money just by getting a second opinion on your mortgage. Am I eligible for the Home Affordable Refinance Program if I'm behind on my mortgage? No. You must be current on your mortgage to refinance via HARP. I've been told by my bank that I'm not eligible for HARP. I think my bank is wrong. Can I get a second opinion? If you've been turned down for HARP but believe that you're eligible, you can apply with a different bank and see what happens. Different banks are using different variations of the program. The changes are subtle, but they're enough to cause some people to get denied who should otherwise have been approved. My lender denied my HARP mortgage because my LTV is too high. What do I do? Some banks are enforcing subtle variations of the official HARP program guidelines. The edits are small, but they're enough to cause some people to get denied who should otherwise have been approved. If you've been turned down for the HARP loan because of your loan- to- value, apply with a different bank and you may get different results. My lender denied my HARP mortgage because credit scores are too low. What do I do? Some banks are making variations on the official HARP program guidelines. The changes are subtle, but they're enough to cause some people to get denied who should otherwise have been approved. If you've been turned down for HARP program because of your credit scores, apply with a different bank and you may get a different outcome. What is the mortgage rate for a HARP loan? Mortgage rates for the HARP mortgage program are the same as for a . Make sure to shop around, then - - just like you would with a non- HARP refinance. Rates can vary by as much as one- half percentage point between lenders. Should I shop for the lowest HARP mortgage rates? 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Descargar Despacio escuela:La vida empieza a y muchas otras obras en pdf, doc, y dem Descargar Libro y Solucionario de Matem Este libro ha sido desarrollado para hacer mucho m. La obra ofrece una interesante visi Zipporah Miller M.A.Ed. Kathryn Thornton Ph.D. Michael Wysession Ph.D. La vida en la Tierra . Byers Gratis en PDFBiolog. Byers ayuda a los instructores y los estudiantes a manejar una gran cantidad de informaci. Los autores animan a los estudiantes a aprender de acuerdo a su propio estilo, y relacionar esta informaci. Ejemplo: “Salud Alimentaria” (Cap. Permite a los autores a pasar m. Tabla de contenido. Breves Cesta. 1 Introducci. Family- based Programs for Preventing and Reducing Juvenile Crime. PDF (2. 72 KB). ISBN: 9. This fact sheet presents family- based programs for preventing and reducing juvenile crime whose effectiveness has been well established by reliable and rigorous evaluation studies. The criteria used to determine the effectiveness of programs include the following. Footnote 1: a rigorous evaluation methodology; a conceptual framework based on scientific knowledge; measurable and concrete results on the reduction of the negative effects of risk factors or the increase of the positive effects of protective factors; effects that are maintained over time; the replication of the program in different environments, obtaining similar results each time. Programs and Intervention Strategies for Families. For programs involving the family, three intervention strategies are considered adequate: parental training programs; family therapy programs; integrated approach programs. The choice of programs presented here is based on the following criteria: the programs must be based on the family and must target the risk factors associated with families; youth targeted by the programs must be identified as youth who are at risk of developing delinquent behaviour or who are already involved in delinquent activities; and the program results must be supported by evaluations that confirm a reduction in the risk of juvenile delinquency, the mitigation of risk factors or the reinforcement of protective factors. Parental training programs. This type of program essentially aims to teach parents how to use adequate discipline techniques, balanced supervision and control, and how to set clear and consistent limits for children and youth who tend to disobey rules. Footnote 2. Parental training uses a structured approach, mainly designed to improve family relations and to help parents use appropriate child- rearing techniques. Family therapy programs essentially aim to improve communication and interaction between parents and children and enrich parental practices to better resolve problems that arise. Footnote 8. Family Therapy Programs. Title. Target Group. Targeted Problems and Risk Factors. Results and rating. Footnote 3c. Functional Family Therapy (FFT)Age group: 1. Youth who present delinquent behaviour/youth currently involved in criminal activities. Problems: aggression and violence; substance abuse. The CrimeSolutions.gov Web site is a resource to. Delinquency prevention efforts seek to. Where can I find information on juvenile mentoring programs? Risk factors: poor parental supervision; mismanagement of family conflicts. Results: compared to traditional justice service for youth, FFT reduces the risk of recidivism by 5. Footnote 5bafter one year of counselling, the rate of recidivism in youth who participated in the project was 1. Footnote 9compared to traditional probation services for youth, residential treatments; and therapeutic approaches, FFT obtained better results. Footnote 5c. Rating: I: exemplary II: exemplary. Multidimensional Treatment Foster Care (MTFC)Also considered to be a program that uses an integrated approach. Age group: 1. 1- 1. Youth with chronic delinquent behaviour who are at risk of incarceration. Problems: delinquency; aggression and violence. Risk factors: poor parental supervision; mismanagement of family conflicts; parents who are involved in criminal activity or who have a criminal history. Results: after a 1. Reducing Juvenile Delinquency. To start off, there needs to be approaches towards more juvenile prevention programs to help reduce juvenile delinquency. How Can We Do Better At Delinquency Prevention? The council is charged with coordinating federal juvenile delinquency programs and determining how. Through comprehensive and coordinated efforts at the federal, state, and local levels, OJP’s Office of Juvenile Justice and Delinquency Prevention. OJJDP's programs cover the field from youth courts to delinquency. Learn about the Office of Juvenile Justice and Delinquency Prevention programs. MTFC youth, compared to youth placed in traditional placement centres, committed fewer offences (an average of 2. Footnote 9aafter a 1. MTFC boys aged 1. Footnote 5dafter a 2. MTFC youth had better academic integration. Footnote 1. 0Rating: I: exemplary II: exemplary. Brief Strategic Family Therapy (BSFT)Age group: 8- 1. Youth who present or who are at risk of adopting delinquent behaviour. The therapy also addresses dropouts and youth with substance abuse problems. Problems: delinquency; substance abuse. Risk factors: poor parental supervision; mismanagement of family conflicts; poor family bonds; siblings with behaviour problems. Results: BSFT is considered an effective treatment to improve behaviour problems, reduce recidivism among young offenders and improve family relations. Footnote 7a. Rating: I: effective II: exemplary. Multidimensional Family Therapy (MDFT)Age group: 1. Youth with substance abuse problems and youth who present behaviour problems. Problems: substance abuse; aggression and violence. Risk factors: poor parental supervision; mismanagement of family conflicts; use of corporal punishment; inconsistent discipline. Results: MDFT youth showed more positive changes (4. Footnote 5eafter one year, 7. MDFT youth and 5. MDFT enabled the participating families to improve their functioning and cohesion. Footnote 7b. Rating: I: effective II: exemplary. Positive- Parenting- Program (Triple P)Also accompanies parental training. Age group: Youth under 1. Youth with behaviour (or emotional) problems. Problem: Risk factors: mismanagement of family conflicts; depressed parents. Results: Compared to families on a waiting list to receive treatment, those who participated in Triple P1. Footnote 1. 1Rating: I: ns II: ns. Integrated approach programs. The integrated approach involves the participation of several partners (health and social services, education, justice, police, mental health professionals, substance abuse treatment, etc.). Integrated approach programs primarily aim to break family isolation by combining, in a personalized way, a wide range of services and support networks for the family and youth. This approach also takes into consideration the fact that the risk factors come from several areas (neighbourhood, school, friends, family and the youth's individual characteristics). The following are a few key elements to the success of these programs: Target the main risk factors. Several researchers have demonstrated that the most effective prevention programs target population presenting several risk factors at once. Footnote 1. 7Strengthen the protective factors associated with families, particularly parent- child relations, communication, parental supervision, discipline and family ties. Implement programs that combine diversified intervention strategies and use an integrated approach. The more complete a program is and the more it involves several services, the better the chances of success. Footnote 1. 8References. Chamberlain, P. Journal of Consulting and Clinical Psychology, 6. Child Trends. Guide to Effective Programs for Children and Youth. Available from: www. Lifecourse/programs/Triple. P- Positive. Parenting. Program. htm. Commission on Behavioral and Social Sciences Education. Crowell (eds), Juvenile Crime, Juvenile Justice, (pp. Washington: National Academy Press. Farrington, D. Children & Society, (1. Greenwood, P. Annals of the New York Academy of Sciences, (1. Helping America's Youth. Community Guide to Helping America's Youth. Available from: www. Henggeler, Scott W. Juvenile Justice Bulletin. Washington, DC: Office of Juvenile Justice and Delinquency Prevention. Available from: http: //www. Krug, E., L. World Report on Violence and Health. Geneva: World Health Organization (WHO). Kumpfer, K. Justice Juvenile Bulletin. Family Strengthening Series. Washington, DC: U. S Department of Justice, Office of Justice Programs, Office of Juvenile Justice and Delinquency Prevention. Available from: http: //www. Lawrence, A., N. Youth Violence: a Report of the Surgeon General. United States: Department of Health and Human Services. Mihalic, S., K. Juvenile Justice Bulletin. Washington, DC: U. S Department of Justice, Office of Justice Programs, Office of Juvenile Justice and Delinquency Prevention. Available from: http: //www. OJJDP. Available from: www. Promising Practices Network. Promising Practices Network on Children, Families and Communities. Available from: www. Reinhardt, V. A. An Ounce of Prevention: Taxpayer Costs Avoided through Preventing Crime. Submitted in partial fulfillment of the requirements for the degree of Doctor of Public Administration in Hamline University, Saint Paul, Minnesota. Available from: http: //www. Savignac, J. 1. 3 Pathways to Juvenile Detention Reform - Detention Reform and Girls Challenges and Solutions. Baltimore, Maryland: Annie E. Available from: http: //www. Preventing Crime: What Works, What Doesn't, What's Promising (pp. Washington, DC: US Department of Justice. Available from: http: //www. Sprott, J., J. Youth Violence and Juvenile Justice, (3): 5. Strengthening America's Families, Effective Family Programs for Prevention of Delinquency. Available from: www. Welsh, B. Evidence- Based Crime Prevention: Scientific Basis, Trends, Results and Implications for Canada. Ottawa: Public Safety Canada, National Crime Prevention Centre. Available from: http: //www. Increasingly, the cost benefits analysis is also taken into consideration as a criterion for program effectiveness. This analysis shows that the money invested in prevention programs is profitable when compared with the resulting benefits (Welsh, 2. Kumpfer et al., 1. Explanation of program rating levels. Office of Juvenile Justice and Delinquency Prevention (OJJDP) - Model Programs Guide (MPG). Exemplary: program with a high degree of fidelity that demonstrates robust empirical findings, a reputable conceptual framework and an evaluation design of the highest quality (experimental). Effective: a program with sufficient fidelity that demonstrates adequate empirical findings, uses a sound conceptual framework and an evaluation design of high quality (quasi- experimental). Promising: program that demonstrates promising empirical findings, uses a reasonable conceptual framework but requires more thorough evaluation; the evaluation is based only on pre- and post- test measurements. Strengthening America's Families Project. Exemplary: program that has an evaluation of the highest quality, presents positive results and has been replicated several times. Model: program that has been thoroughly evaluated but seldom replicated. |
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