Dan Henry

Senior Mortgage Banker
NMLS #68932

(251) 445-7681 - Office
(877) 320-0383 - Toll Free
(850) 346-0269 - Cell
(251) 545-4818 - Fax
Email: dhenry@amic.co


AMIC Spanish Fort:
30500 State Hwy 181 STE# 460
Spanish Fort, AL 36527


Licensed in: AL·CA·LA

Hire Date: January 2003

HARP 2.0

HARP is designed to allow responsible homeowners to take
advantage of lower mortgage rates and payments, even if
you owe as much or more on your home than itís currently worth.
According to Fannie Mae, HARP refinances save customers an
average of $250 a month!

Even if youíve been unable to refinance in the past or have a low credit score, you still may be able to save with HARP. Closing costs are often minimal, and you can even pay off your mortgage at any time without prepayment penalties. You may not even need an appraisal or PMI.


5 great reasons to consider a HARP loan:

  1. No equity required: underwater or near underwater properties are approved (up to 200% of your home's current market value).

  2. No appraisal is needed: loan-to-value (LTV) is not a factor making the out-of-pocket expense of an appraisal unnecessary.

  3. No minimum credit score: there is no minimum credit score criteria. Just be up-to-date on your mortgage payments.

  4. Designed to help you save money: The program was created specifically to assist you in lowering your interest rate and saving money on your mortgage payments.

  5. Pick a loan term thatís perfect for you: HARP allows you to choose from our lowest available rates with a 5-, 7- or 10-year adjustable rate mortgage (ARM), or opt for any fixed-rate term from 10 to 30 years.


Nearly 2.5 million homeowners have already taken advantage of low mortgage rates with HARP. Let us help you find out how much you can save.

  • Have you consistently made your mortgage payments on time even though your home may have decreased in value?

  • Do you want to take advantage of todayís low mortgage rates with an easier, streamlined refinance Ė even if you were denied in the past?

  • Is your mortgage owned by Fannie Mae or Freddie Mac? (Not sure? Weíll find out for you!)

If you answered yes to any of these questions, refinancing with HARP may be a great option for you. With todayís extremely low rates, you may be able to lower your monthly payment and possibly even avoid costly PMI.


Want to find out if HARP 2.0 can help you? We can tell you.

Call Now! 1-877-621-3557 and we'll help you answer all you questions.

HARP qualification requirements:


  • Current mortgage must be owned by Freddie Mac or Fannie Mae.

  • No late mortgage payments made in the previous 12 months.

  • Loan must have closed on or before May 31, 2009.

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Lending in: Alabama (20357/20898); California: Licensed by Department of Corporations, California Finance Lenders Law (CA-DOC603J195); Colorado: (38958); Florida (MLD343); Louisiana (RML 2601-0); Mississippi: Licensed by the Mississippi Department of Banking and Consumer Finance (508/2004); North Carolina (L-166697); Tennessee (108932)