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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.