Most homeowners do not need an appraisal to use this loan. HARP is open to those with a Fannie Mae or Freddie Mac loan, and since these agencies have an appraisal on record, they usually dont require another one. Documentation requirements are lower with HARP, mainly hdfc personal loan interest rates 2017 to computerized approval systems. Most refinance applicants will only need to supply pay stubs, a W2, and a bank statement if any cash is required to close the loan. The borrower can wrap closing costs into the loan, making the HARP program the next best thing to a conventional streamline refinance program.
2018 Conventional Loan Limits. The standard conventional loan limit is 453,100. A qualifying refinance applicant can open a loan for at least this amount anywhere in the country. But Fannie and Freddie allow higher limits in some areas. For instance, San Diego, California has a conventional loan limit of 679,650.
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