Michelle Singletary - Affordable Housing Initiative Hits the Web - washingtonpost.com: "The Treasury Department and the Department of Housing and Urban Development have launched a Web site that provides basic information for troubled homeowners about the Obama administration's 'Making Home Affordable' program."
The site, http:/
/, usefully arranges in one place information on the two-pronged approach of the new initiative. www.makinghomeaffordable.gov
There's the refinancing part, designed to help homeowners who are paying their mortgages on time but are not able to refinance at the current low mortgage rates because of a decrease in the value of their homes.
Under the refinancing section, eligible first mortgage loans can't exceed 105 percent of the current market value of the home. For example, if your home is worth $200,000 but you owe $210,000 or less, you may qualify. There's no help to renegotiate a second home loan.
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