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Need some help with HARP 2.0 questions...

Valued Contributor

Need some help with HARP 2.0 questions...

Trying to help a relative who is looking at refinancing using the HARP 2.0 program. They have a 6.75% rate now, no missed payments ever on this loan, loan is from 2007 and is a Fannie Mae loan. 

They do have a short sale on a different property from 26 months ago that had missed payments on it. Current credit score is in the low 700s. 


Is DTI taken into consideration with a HARP refi? Are there closing costs and do they get rolled into the loan? What about mortgage insurance?


Thanks for any help.

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