Refi your Florida home or investment property into today's low interest rates no matter what the value of your property is! No Appraisal! No Income Verification!

1. Presented by:
Kurt Bierek
Director of Marketing
OJ Mortgage Co., Inc.
Direct: (813) 453-3845
KBierek@OJMortgage.com
© 2011 | OJ Mortgage Co., Inc. | 29190 US 19 N | Clearwater, FL 33761 | FL Reg/Lic #: MBR508 | NMLS ID: 342260

2. Source: CoreLogic Q2 (2011) Negative Equity Report
© 2011 | OJ Mortgage Co., Inc. | FL Reg/Lic #: MBR508 | NMLS ID: 342260

3. © 2011 | OJ Mortgage Co., Inc. | FL Reg/Lic #: MBR508 | NMLS ID: 342260

4. HARP 2.0 Underwater Refi Overview
“HARP” (Home Affordable Refinance Program) was established in 2009 by the Federal government for certain
residential mortgages owned by Fannie Mae and Freddie Mac. On November 15, 2011, Fannie Mae and
Freddie Mac announced updates to HARP to expand its availability to more struggling homeowners to allow
them the opportunity to refinance into today’s incredibly low interest rates. This updated program is
commonly referred to as “HARP 2.0.”
HARP 2.0 Underwater Refi Program
 Highlights
Unlimited Loan-to-Value (LTV) – Qualified borrowers can refinance
without concern if they owe more on their mortgage than their property is
worth.
 No Appraisal – In most cases, there is no appraisal required. This will save
each borrower approximately $300 - $400.
 No Income Verification – That’s right! In most cases, no proof of income is
required (no paystubs, no W-2’s, no tax returns).
 Relaxed Credit Score Requirements – Borrowers do not need A+ credit to
qualify for HARP 2.0 (minimum score of 620 is expected).
 All Property & Occupancy Types – Single family
homes, townhomes, condos, 2nd homes & investment properties are all
eligible.
© 2011 | OJ Mortgage Co., Inc. | FL Reg/Lic#: MBR508 | NMLS ID: 342260

5. HARP 2.0 Requirements & Eligibility
 The existing 1st mortgage must have been obtained by the borrower before June 1, 2009
and it must be owned by either Fannie Mae or Freddie Mac.
 At the time of application, the borrower must be current on their mortgage payments for
the past six (6) months and have no more than one (1) late payment in the prior twelve
(12) months.
 The new 1st mortgage amount must be greater than 80% of the home’s current value.
 The new 1st mortgage amount cannot exceed maximum conforming limits (typically
$417,000).
 The existing 1st mortgage cannot have been previously refinanced under HARP.
Do You Pre-Qualify For HARP 2.0?
© 2011 | OJ Mortgage Co., Inc. | FL Reg/Lic#: MBR508 | NMLS ID: 342260

6. HARP 2.0 Underwater Refi Questionnaire
Please click on the link below to complete the OJ Mortgage HARP 2.0 Underwater Refi Questionnaire to see if
you pre-qualify to refinance with us under the HARP 2.0 Underwater Refi Program. Due to the large number of
applications projected to be submitted for this program in Florida, we highly recommend completing this form
and submitting it to us as soon as possible. Doing so will ensure that your file is submitted ahead of the rush
and will give you a distinct advantage over those who make the mistake of working directly with a bank.
OJ Mortgage HARP 2.0 Underwater Refi Questionnaire
OUR COMMITMENT TO YOU
There is absolutely no cost or obligation whatsoever for submitting the OJ Mortgage HARP 2.0
Underwater Refi Questionnaire. Its sole purpose is to provide our valued clients (you!) a head start and
distinct advantage over other applicants. All information you provide to us is strictly confidential and will
not be sold, shared or otherwise provided to any third parties.
© 2011 OJ Mortgage Co., Inc. | FL Reg/Lic#: MBR508 | NMLS ID: 342260

7. About OJ Mortgage
Established in 1994, we do business the old fashion way - one by one, family by family. We maintain full
processing & closing departments to ensure that your loan is closed on time and that you always receive
excellent personalized service throughout your transaction.
We provide you with the mortgage program you want based on your specific needs & circumstances. Our
interest rates & closing costs are always among the lowest available and, in many cases, we can provide you
with a no closing cost or limited closing cost option. Our full range of mortgage products include:
Conventional, FHA, VA, Portfolio & our featured program, the HARP 2.0 Underwater Refi.
We take our obligation to you very seriously and sincerely appreciate the opportunity to assist you with your
mortgage financing needs. Purchases, refi’s, advice – whatever you need.
OJ Mortgage Co., Inc. – proudly serving Floridians since 1994.
Kurt Bierek
Director of Marketing
OJ Mortgage Co., Inc.
Direct: (813) 453-3845
Office: (727) 773-0505
Fax: (727) 773-0606
KBierek@OJMortgage.com
© 2011 | OJ Mortgage Co., Inc. | FL Reg/Lic#: MBR508 | NMLS ID: 342260

8. Help Someone You Know!
© 2011 | OJ Mortgage Co., Inc. | FL Reg/Lic: MBR508 | NMLS ID: 342260

9. ©2011 | OJ Mortgage Co., Inc. | FL Reg/Lic#: MBR508 | NMLS ID: 342260

10. Disclaimer
Freddie Mac and Fannie Mae have adopted changes to the Home Affordable Refinance Program
(HARP) and you may be eligible to take advantage of these changes | If your mortgage is owned
or guaranteed by either Freddie Mac or Fannie Mae, you may be eligible to refinance your
mortgage under the enhanced and expanded provisions of HARP | You can determine whether
your mortgage is owned by either Freddie Mac or Fannie Mae by checking the following
websites: www.freddiemac.com/mymortgage or http://www.fanniemae.com/loanlookup/.
*Some restrictions may apply.
**The information herein is accurate as of 12/30/11 and is subject to change without notice.
© 2011 | OJ Mortgage Co., Inc. | FL Reg/Lic#: MBR508 | NMLS ID: 342260

11. Questions?
Kurt Bierek
Director of Marketing
OJ Mortgage Co., Inc.
29190 US Hwy 19 North
Clearwater, FL 33761
Direct: (813) 453-3845
Office: (727) 773-0505
Fax: (727) 773-0606
KBierek@OJMortgage.com
© 2011 | OJ Mortgage Co., Inc. | FL Reg/Lic#: MBR508 | NMLS ID: 342260