Extension of the Home Affordable Refinance Program On March 11, 2011, the Federal Housing Finance Agency announced two exciting changes to the Home Affordable Refinance Program (HARP). This program is for borrowers who have demonstrated an acceptable payment history on their mortgage, but due to a decline in home prices or where mortgage insurance is [...]

In the last several years, significant changes have impacted financing for residential real estate. The issue I would like to bring to your attention today could impact the property value that will be used to underwrite your loan. The Home Valuation Code of Conduct (HVCC), effective May 1, 2009, governs the way in which appraisals [...]

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