What is a HARP 2.0 Loan?

HARP 2.0 Is A Refinance Program That Allows The Refinancing Of Homes Where The Mortgage Balance Exceeds The Value Of The Property.

E Loans Mortgage In Spring Hill FL is offering the HARP.20 Refinance Program in addition to our other Mortgage Products.

What Are The Requirements Of HARP 2.0?

The Loan Must Be Owned By Either FANNIE MAE Or FREDDIE MAC The Loan Must Have Been Closed Before May 31^st Of 2009

What Are The Benefits Of HARP 2.0?

Loan To Values For Lending Purposes Can Go Up As High As 125%. In Other Words, You Can Be Up To 25% Negative In Equity And Still Qualify For A Refinance Low Rates!

The Maximum Loan Level Pricing Adjustments Are Only .75%. That Means Its Realistic To Achieve Today’s Very Low Interest Rates Which Nationally Are Averaging Below 4% For A 30 year Fixed Term.

There is No Loan Level Pricing Adjustments On 10, 15, and 20 Year Terms Condominiums Are Eligible!

Condo’s Can Be Refinanced Under HARP 2.0 Up To 125% LTV

Property Inspection Waivers Are Available In Many Cases. This Means An Appraisal May Not Be Required At All!

For More Information About HARP 2.0 Or Other Mortgage Products Contact Us Today:

Steve Fingerman

President

E Loans Mortgage Inc

4117 Mariner Blvd.

Spring Hill FL, 34609

Office 352-688-7949 Cell 727-946

Thank You Channel 10 News For Continued Coverage. FAIR is commited To Bringing Balanced Reform For Florida Home Owners. For Information On Joining The Class Action Please Click On the Citizens Class Action LawSuit Button At The Top Of The Screen. E Loans Mortgage In Spring Hill FL, and Steve Fingerman will continue to fight for Florida Home Owners To Keep Home Ownership In Florida.

I am Proud To Be A Part Of This Action And Committed To Keeping Home Ownership In Hernando County and The Surrounding Tampa Bay Area Affordable.

Please Subscribe To The Right And Forward This Site To Your Friends.

The 10 News Investigators have learned the group suing Citizens Insurance over its insurance practices will file more lawsuits Monday. We've learned that group -- FAIR -- will be filing class-action lawsuits against private insurance companies Monday. Those suits will go along with the cases they've already begun against Citizens. The 10 News Investigators have been leading the way on this. Following reports by 10 News last fall, allegations surfaced. The claims: insurance companies statewide are setting the replacement costs of some homes extraordinarily high -- much higher than they should be. That means the companies can charge you more to insure your house. The technique lets them make more money and dodge state laws that limit how much they can raise your rates. That practice is what led the group FAIR -- Florida Association for Insurance Reform -- to the steps of the state Capitol last week. FAIR announced it's suing Citizens Insurance over the issue. Citizens is run by the state and backed up by Florida taxpayers. PREVIOUS COVERAGE:

• Citizens Insurance not only company under fire; more suits to be filed Monday
• Private companies could be inflating replacement values too
• Citizens reverses controversial policies after 10 News reports
• Sen. Mike Fasano criticizes Citizens' replacement value policies

On February 7, 2012 FAIR announced a Class Action Lawsuit against Citizens Property Insurance. Attorney Mark Beausoleil, FAIR Regional Director David Welch, Steve Fingerman Board Member and President E Loans Mortgage Inc and Senator Mike Fasano, Announce FAIR's Lawsuit against Citizens Property Insurance for their practices of inflating Replacement Cost Values and Overcharging Florida Consumers. Florida Association Of Insurance Reform Announced on Feb 7, 2012 A Class Action Lawsuit Brought Against Citizens Insurance by It's Policy Holders at The Capital Building In Tallahassee

Related articles

• Home Owners File Class Action Lawsuit Against Citizens Insurance (lakewoodranchhomes.wordpress.com)
• Consumers File Class Action Suit Against Citizens (miami.cbslocal.com)
• New Port Richey Senior Joins Action Suit Against Citizens (tampa.cbslocal.com)
• Citizens Insurance faces class-action lawsuit over home valuation practices (miamiherald.typepad.com)

I have some exciting News To Annouce:

We Are Happy To Announce The Launch Of E Loans Mortgage Inc!

It's not news that the Real Estate and Mortgage Industry both have seen their fair share of challenges over the past few years, but sometimes out of those challenges come exciting innovations and new ideas. With that said, it my honor and privlage to announce the launch of E Loans Mortgage Inc.

Here at E Loans Mortgage our Mission is simple : To Provide The Highest Level Of Professional Mortgage Banking Services To Our Clients, Using The Latest Technologies To Help Our Borrowers Achieve Their Goals Through The Most Transparent, Easy To Understand Lending Practices Possible.

Through my many years of industry contacts I have built a strong network of Partner Wholesale Lenders and Service Providers who offer some of the best Mortgage Products available anywhere. By Leveraging These Contacts, we have been able to secure negotiated Mortgage Terms that will provide our Borrowers with some of the Best Rates and Closing Costs available anywhere.

We offer the following Mortgage Products:

FHA USDA VA CONVENTIONAL

The Team Here at E Loans Mortgage Inc is excited about the new opportunity to serve our borrowers, and it's my personal belief that you wont find a better more educated team of Mortgage Professionals anywhere. Regardless if you are a First Time Home Buyer or a Seasoned Investor, rest assured we have a Mortgage Product to fit your individual needs. Being an independant Lender, E Loans Mortgage does not have to fit you into a specific box, this allows us the opportunity to custom tailor a Mortgage Plan designed to meet your specific financial goals and needs.

Humbly,

Steve Fingerman

President

E Loans Mortgage Inc

4117 Mariner Blvd.

Spring Hill FL, 34609

Office 352-688-7949

Cell 727-946-0904

www.E-LoanMortgage.com

Do You Know What is NOT Covered in Your Home Owners Insurance Policy?

You Might be Surprised

In recent years, insurance carriers in Florida have added many exclusions to property insurance policies, with little oversight or public debate. These exclusions are drafted into policy leaving consumers with less coverage for the same (if not higher) premium. Because many policyholders rarely read every word of their large and complex policies, they may not even be aware of what is NOT covered. Since policyholders are unable to negotiate policy language, they are left with a choice of accepting the changes, purchasing new endorsements or seeking a different carrier. Examples of common policy exclusions include: Eliminating Your Rights to Appraisal – For 200 years, policies have included the binding appraisal process to settle disputes between insurance companies and the insured over amount of loss or value of damaged property. Many insurers are restricting or eliminating this provision, which provides important consumer protections.

Giving You a Sinking Feeling – Many policies no longer cover damage from sinkholes unless the sinkholes are deemed “catastrophic,” usually meaning large and sudden. But slowly occurring sinkholes can cause catastrophic damage to a home and its value. Damage can run into the hundreds of thousands, often more than the value of the home, leaving many homeowners with no other choice than to walk away from their mortgages. Requiring You to See Through Walls – Most insurance claims deal with water damage, often stemming from damage behind walls or under slabs that doesn’t become noticeable for weeks or months. Citizens and other insurance companies now deny claims for leakage occurring over more than 14 days, even if it is hidden from sight. In fact, Citizens has just announced plans to further expand its water exclusion.

Eliminating Coverage for Mold – Where there is water damage mold often forms. Though it is recommended that water be removed and damaged areas dried within 48-72 hours, company insurance adjusters often are unable to visit the home within that time. No matter the reason, if mold forms, most companies will no longer cover the cost of its removal. Leaving Screened Structures Uncovered – Popular in Florida, screened enclosures used to be covered under most homeowner insurance policies. Many carriers have now added exclusions that remove screened structures from coverage. Re-Defining “Falling Objects” – Typically, damage from falling objects in a home or condo (such as floor damage from a falling light fixture or fan) is covered. Citizens’ new condo policy, however, only covers such damage if the falling objects come down from the sky through your roof or walls. Great coverage for meteorites, but little else.

Join FAIR BY CLICKING HERE