SANDY FLORES BROKER
Award Winning Realtor * International Real Estate
Contributor @TELEVISAUNIVISION KMEX 34
Los Angeles, El Gordo y La Flaca, Santa Ana College
If you have higher mortgage payments, now is the time to change it! In recent years we have seen many changes in our national economy. We have seen cuts in interest rates given by the Federal Reserve cuts not seen for many years. 
One situation that influenced home foreclosures for many homeowners were the high interest rates they were granted. These mortgage loans were presented for a large number of months as a fixed payments and later converted into variable rates, causing a drastic financial instability in many homeowners facing now a new higher mortgage payment.
The HARP Refinance Program gives the Homeowners that have not been behind in the last 12 months, and can prove income under the new conditions and repayment capacity; the opportunity to refinance with low current interest rates. This means that you can refinance even if the actual mortgage balance is higher than the value of your property on the market today. The HARP and FHA programs are the only programs that allow you to refinance under these terms.
Compare and discuss your options and determine if refinancing NOW is financially right for you. The essence of refinancing is to find the best fit and financial balance for you and your family. Remember, an informed decision is the best guarantee!
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