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The Home Affordable Refinance Program (HARP) was created by the Federal Housing Finance Agency in March 2009 to allow those with a loan-to-value ratio exceeding 80% to refinance without also paying for mortgage insurance. Originally, only those with an LTV of 105% could qualify.
Check today’s refi rates: Find out if refinance rates are lower than your mortgage’s current rate. Refinancing might make sense even if rates haven’t dropped significantly.
Loan type. Minimum credit score. Conventional loans. 620. FHA loans. 580 with 3.5% down payment, 500 with 10% down payment. VA loans. No minimum requirement, but generally 620
FHA loans: 580 with 3.5% down payment, 500 with 10% down payment VA loans: No minimum requirement, but generally 620 USDA loans: No minimum requirement, but generally 640
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Craig Delano Melvin [1] (born May 20, 1979) is an American broadcast journalist and anchor at NBC News and MSNBC.From August 2018 until January 2025, he was a news anchor on NBC's Today, in October 2018, a co-host of Today Third Hour before being made permanent host in January 2019, and in January 2025, he became a co-anchor for the first and second hours of Today.
The VA-backed streamline refinance is known as an Interest Rate Reduction Refinance Loan (IRRRL). The IRRRL typically offers a lower interest rate and can provide reduced monthly payments.
In an interview with The Washington Post in July 2007, Lesko admitted having assembled his books from government guides to grants and loans, quoting Lesko as saying of his first book "I plagiarized the whole thing" and "I didn't write a lick." Lesko later added "I get stuff for free and I sell it for as much as I can get."