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HARP 2.0 - DU REFI PLUS™ with unlimited LTV on all occupancy types!

House Underwater?  We can help!

DU REFI PLUS™ - The Home Affordable Refinance Program is designed to assist homeowners in refinancing their mortgages – even if they owe more than the home’s current value.  No MI required when the current mortgage does not have MI.  If the current mortgage has MI, the MI must be transferable to the new loan. 

DU Refi Plus™ is a Fannie Mae no cash out refinance program offering reduced verification and documentation. Eligibility is determined by the DU®. The program is available to borrowers who have a conventional mortgage which was acquired by Fannie Mae on or before June 1, 2009 (check with Fannie Mae). The borrower must receive a benefit in the form of a reduced principal and interest payment or a more stable mortgage product and receive an approval recommendation through the DU approval engine as a DU Refi Plus™ loan.


Available for:

- Refinance



- 10, 15, 20, 25, 30 year fixed - Fully Amortizing


Eligible Borrowers:

- Approve Eligible EAI, EAII, EAIII



- Property Inspection Waivers (PIW) are acceptable with no limit to LTV or CLTV as per the DU® findings
- Also accepting loans where DU findings require appraisal


Residence Types:

- Primary Residence (Owner Occupied, 1-4 Unit),
- Second/Vacation Home (1 Unit),
- 1-4 Unit Investment properties, and Condos (Limited Review Condo Questionnaire).


Ineligible Property:

- Non-Approved and non-warranty condos
- Co-ops
- Single-wide manufactured homes


Loan Amount:

State allowed Minimum - up to Maximum Conforming and High Balance Loan Limits.



Unlimited - per DU approval.



580 +


Mortgage Insurance:

Follow DU approval. Standard MI coverage required


Approved MI Companies:

- MGIC’s (Presentation)
- Genworth / GEMICO)
- Triad Guaranty Inc.
- United Guaranty
NOTE: Call to inquire if MI your company is not on this list.  We may have or be in talks to get them signed up.  


1st Rate Mortgage Services, LLC NMLS #216585
327 Dahlonega St., Suite 104 B, Cumming, GA  30040
Office:  (470) 839-8777
Copyright © 2018 1st Rate Mortgage Services, LLC
A Georgia Residential Mortgage Licensee #32549
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