Florida homeowners who are living under negative equity may be able to use the HARP 2.0 government program to allow them to refinance at lower interest rates.

Lutz, FL -- (SBWIRE) -- 02/18/2013 -- More people than ever with homes in distress are able to refinance under the HARP 2.0 program. This bodes well for homeowners looking to reduce their interest rates and lower their monthly mortgage payments.

The only problem is that still many Florida homeowners don&apost know the program exists.

Florida mortgage originator, Brian Michaud (NMLS# 323712) educates his potential clients on the basics of this program at his Online HARP 2.0 program have already resulted in a large amount of loan modifications. Those Florida homeowners with high LTVs (Loan-to-Value ratios) and less than perfect credit scores have been able to successfully refinance their homes.

You May Be Eligible For A HARP Refinance If:

1) Fannie Mae or Freddie Mac owned or guaranteed your home loan.
2) Your loan was sold to Fannie Mae or Freddie Mac before May 31, 2009.
3) Your mortgage is current for the last six months.
4) You owe more than your home is worth, or is there minimal equity in your home.
5) Your mortgage has not already been refinanced through HARP in the past, unless it happens to be a Fannie Mae loan that underwent a HARP refinance between March and May 2009.
6) You have no more than one late payment over the past 12 months.
7) Your loan is not an FHA, USDA or Jumbo Mortgage.

Call Brian Michaud (NMLS# 323712) at 904-233-2072 or visit our HARP Refinance Center and fill out our Quick 1 Step Eligibility Form to see if you qualify for this new program.

For Answers to Your HARP Questions: http://jacksonvillemortgagetips.com

For more information on this press release visit: http://www.sbwire.com/press-releases/harp-20-program-allows-many-florida-homeowners-to-take-advantage-of-low-refinance-rates-and-lower-their-monthly-mortgage-payments-207657.htm

Florida Refinancing Expert Brian Michaud (NMLS# 323712) explains all about the revamped government program that provides refinancing options to homeowners who owe more on their mortgage than their house it worth called HARP 2.0.

Lutz, FL -- (SBWIRE) -- 02/11/2013 -- Help has finally arrived for Florida home owners whose property values have dropped over the past couple of years. In order to lower costs of mortgage installments today and get a good fixed rate plan underway for repayment, many people are turning to the Home Affordable Refinance Program (HARP or HARP 2.0), also known as the Making Home Affordable Program.

However, as new information appears on government sites, people are finding the documentation to be lengthy and somewhat confusing.

Brian Michaud (NMLS# 323712), a Jacksonville, Florida based mortgage consultant, has released a new web site at: http://jacksonvillemortgagetips.com designed to remove the confusion about this latest government program.

This new HARP 2.0 resource site shares details about the basics of this mortgage lending solution and answers questions like:

- What are HARP loans all about, in a nutshell – in layman’s terms? 
- What are the benefits of HARP loans? 
- What kind of mortgage loans can HARP funds be used for?
- Do I qualify for the HARP program?
- What documents do I need to bring to the lender when I apply?
- And much more…

The new resource site showcases pages of information to help Florida borrowers realize that HARP loans are an ideal way for families with homes that have dropped in value to rebuild their investment, creating equity faster under a new structure.

HARP Specialist Michaud (NMLS# 323712), says “readily available and with low interest rates, these HARP loans are an exciting way for people to enjoy double savings with lower monthly mortgage installment loan payments and increased equity over the long term restructuring.”

Brian Michaud (NMLS# 323712) is available for interviews and will welcome all your mortgage related questions.

Call 904-233-2072 or visit http://jacksonvillemortgagetips.com to see if you qualify for this new program.

For more information on this press release visit: http://www.sbwire.com/press-releases/florida/mortgage-expert/sbwire-205165.htm

Jacksonville, Florida based Mortgage Broker Brian Michaud (NMLS# 323712) reveals 3 things you should watch out for when shopping for home-finance products on the Internet.

Lutz, FL -- (SBWIRE) -- 01/31/2013 -- Jacksonville, Florida Based Mortgage Broker Reveals 3 Things Lenders Don’t Want You to Know About Shopping for a Mortgage Online

Anyone who’s even remotely interested in shopping for a home loan has probably paid attention to all those commercials on TV touting the ease of using any of a variety of Internet services to compare mortgage offers from the comfort of your home. You may even have tried a couple of them yourself. But Brian Michaud (NMLS# 323712), a Loan Officer with Innovative Mortgage Services, Inc., says Jacksonville, Florida residents need to watch out when trying to use the Internet to do the heavy lifting for them.

“Sometimes, these Internet services might work fairly well for certain people.” “But the one-size-fits-all approach they offer is going to leave a lot of people with loans that aren’t the best for them, or even worse, they may be shut out of the process altogether.”

Brian Michaud (NMLS# 323712) says the problem with these services is that they never really get to know anything about your financial situation other than your credit history and income level. “So basically what winds up happening is that you’re reduced to a number to them. And if they don’t like whatever that number is, you’re out of luck.”

Here are three things you should watch out for when shopping for home-finance products on the Internet – things most online mortgage sites hope you ignore:

- Do they take the time to find out about your unique situation, or are you just a cyber-borrower in their eyes? Most of these sites simply don’t have the manpower to individually work with every borrower. So a lot of times you wind up with a bad loan simply because there was no one to check if they could have gotten you a better deal.

- What do they offer people in special financial circumstances – such as the self-employed or people with damaged credit? Most of these sites don’t even want to work with you unless you meet their stringent criteria.

- Do they provide advice to help when choosing between loan products? Most sites simply gather offers, throw them in your lap, and pressure you to choose between them. Unless you’re a pretty experienced mortgage pro, deciding on the best offer can be difficult, if not impossible.

So, what’s the solution? Use the Internet to educate yourself and then work with a real human being. You may not have thought about “old-fashioned” methods of finding the best deal, such as working with a mortgage broker. “But for anyone who values a real person sitting down with you and working through the process, there’s no better option,” says Michaud (NMLS# 323712).

About Brian Michaud
Lutz, Florida - based mortgage expert Brian Michaud (NMLS# 323712) specializes in providing information to Florida residents that allows them to make informed decisions about their mortgage financing options and learn the insider secrets that can save them thousands of dollars over the life of their loan.

Brian Michaud (NMLS# 323712) is available for interviews and will welcome all your mortgage related questions.

Call 904-233-2072 for a Free No-Obligation Consultation or visit: http://jacksonvillemortgage.net

For more information on this press release visit: http://www.sbwire.com/press-releases/florida/mortgage-expert/sbwire-201536.htm

Lutz, FL -- (SBWIRE) -- 01/04/2013 -- Easy Ways for Self-Employed Lutz, Florida Residents to Get the Best Mortgage

There’s no denying that there are tons of benefits that go along with being self-employed. But along with the freedom of being your own boss, most Lutz,Fl,33558 residents probably thought one of the things they wouldn’t have much choice about is their mortgage. After all, mortgage lenders are traditionally hard on self-employed borrowers, right? Not necessarily.

In fact, says Brian Michaud (NMLS# 323712), a Loan Officer with Innovative Mortgage Services, Inc., it might actually be easier to get a mortgage when you’re self-employed. If you know where to look, that is.

“What most people don’t know is that many lenders are eager to work with self-employed borrowers,” “And because of the unique loans they offer that are designed specifically for entrepreneurs, you might actually wind up going through less hassle during the process than your neighbor, who depends on the good graces of a boss for his livelihood.”

Here are some quick pointers on shopping for a loan when you’re self-employed:

- Look for lenders that will let you verify your income in ways that don’t require tax returns or pay stubs. Bank statements, for example, can be much better indicators of cash flow.

- Explore no-doc loans. No-doc means what it sounds like – you don’t have to provide all of the supporting documentation most borrowers do. You simply tell the lender what your income is. You’ll usually need good credit scores or a larger down payment for this type of loan.

- Get your accountant to sign off on a profit-loss statement. Some lenders can use these as “verification” of your income from self-employment. This should be a simple thing to put together, especially if you have an accountant prepare your taxes every year.

- Ask the experts. Entrepreneurs don’t have the time to shop around for lenders who offer these kinds of loans. So do what you would do in your business. Ask an expert. Mortgage brokers have access to dozens of lenders and mortgage products many people don’t even know exist. They can streamline the process and make it easy to get the home you want, at a price you can afford.

About Brian Michaud
Jacksonville, Florida - based mortgage expert Brian Michaud (NMLS# 323712) specializes in providing information to Florida residents that allows them to make informed decisions about their mortgage financing options and learn the insider secrets that can save them thousands of dollars over the life of their loan.

Brian Michaud (NMLS# 323712) is available for interviews and will welcome all your mortgage related questions.

Call 904-233-2072 for a Free No-Obligation Consultation or visit

http://jacksonvillemortgage.net

For more information on this press release visit: http://www.sbwire.com/press-releases/florida/mortgage-expert/sbwire-193452.htm

Mortgage secrets revealed by Lutz, Florida Based Mortgage Lender Brian Michaud (NMLS# 323712) at a new web site that is designed to give consumers all the facts so they can make an educated decision when obtaining a mortgage. The site is full of free reports, a home buying guide and free mortgage calculators.

Lutz, FL -- (SBWIRE) -- 12/24/2012 -- The shocking truth is revealed by local Jacksonville, FL Mortgage Lender Brian Michaud (NMLS# 323712) at a new website that is full of free reports and free mortgage calculators.

For most consumers a mortgage is the single largest financial transaction they will make during their lifetime. In fact, most mortgage payments account for approximately 32% of consumer&aposs monthly income.

"The only way for consumers to make an educated decision is to have all of the facts. Let&aposs face it most consumers are simply uneducated when it comes to obtaining the best mortgage product to fit their financial needs and goals." says Brian Michaud (NMLS# 323712), a mortgage originator based in Lutz,Fl,33558, Florida.

Brian Michaud (NMLS# 323712) has put together a new website to finally allow consumers the ability to obtain all of the information they need to make an informed decision.

Here is a listing of some of the Insider Tips available at http://jacksonvillemortgagetips.com

- Important Terms You Must Know BEFORE Obtaining A Mortgage

- Little Known Secrets That Will Show You How To Improve Your Credit Score

- The Top Mortgage Questions Borrowers Must Ask Before Applying For A Mortgage

- Tested and Proven Strategies For Building A Better Credit Record Faster and Easier

- How To Own A Home With Low Interest Rates And A Low Down Payment, Regardless Of Your Credit

- How To Finally Stop Renting And Own A Home Of Your Own

- 12 Secrets To Lowering Your Homeowners Insurance Cost Your Agent Doesn&apost Want You To Know

- 7 Things You Should NOT Do When Applying For A Home Loan

About Brian Michaud
Lutz, Florida - based mortgage expert Brian Michaud (NMLS# 323712) specializes in providing information to consumers that allows them to learn the insider secrets that can save them thousands of dollars over the life of their loan and make informed decisions about their mortgage financing options.

Brian Michaud (NMLS# 323712) is available for interviews and will welcome all your mortgage related questions.

Call 904-233-2072 for a Free No-Obligation Consultation or visit

http://www.jacksonvillemortgagetips.com

For more information on this press release visit: http://www.sbwire.com/press-releases/florida/mortgage-expert/sbwire-190165.htm

Mortgage secrets revealed by Jacksonville, Florida Based Mortgage Lender Brian Michaud (NMLS# 323712) at a new web site that is designed to give consumers all the facts so they can make an educated decision when obtaining a mortgage. The site is full of free reports, a home buying guide and free mortgage calculators.

Lutz, FL -- (SBWIRE) -- 12/17/2012 -- Secrets finally revealed by Jacksonville, Florida based mortgage expert at a brand new website

http://www.jacksonvillemortgagetips.com

If you&aposre planning to buy your next home, your first home, that dream home, a condo, vacation home, investment property or looking to refinance in Florida or the surrounding areas, you will find that this site is a complete resource full of insider secrets that will allow you to choose the loan program best suited to your financial needs.

This site is loaded with FREE REPORTS, an informative home buying guide, mortgage calculators consumers can use to run various loan scenarios and home buying resources you can use to save time and money before and after you purchase your home.

Here is just a small sample of the secrets revealed on this site...

- Important Terms You Must Know BEFORE Obtaining A Mortgage

- Little Known Secrets That Will Show You How To Improve Your Credit Score

- The Top Mortgage Questions Borrowers Must Ask Before Applying For A Mortgage

- Tested and Proven Strategies For Building A Better Credit Record Faster and Easier

- How To Own A Home With Low Interest Rates And A Low Down Payment, Regardless Of Your Credit

- How To Finally Stop Renting And Own A Home Of Your Own

- 12 Secrets To Lowering Your Homeowners Insurance Cost Your Agent Doesn&apost Want You To Know

- 7 Things You Should NOT Do When Applying For A Home Loan

Lutz, Florida - based mortgage expert Brian Michaud (NMLS# 323712) specializes in providing information to consumers that allows them to make informed decisions about their mortgage financing options and learn the insider secrets that can save them thousands of dollars over the life of their loan.

Brian Michaud (NMLS# 323712) is available for interviews and will welcome all your mortgage related questions.

Call 904-233-2072 for a Free No-Obligation Consultation or visit http://www.jacksonvillemortgagetips.com

For more information on this press release visit: http://www.sbwire.com/press-releases/florida/mortgage-expert/sbwire-188110.htm

Lutz, Florida Based Mortgage Lender Brian Michaud reveals mortgage secrets at a new web site that is full of free reports, a home buying guide and free mortgage calculators. The site is designed to give consumers all the facts so they can make an educated decision when obtaining a mortgage.

Lutz, FL -- (SBWIRE) -- 02/06/2012 -- Local Lutz Mortgage Lender Brian Michaud reveals the shocking truth at a new website that is full of free reports and free mortgage calculators.

"The only way for consumers to make an educated decision is to have all of the facts. Let&aposs face it most consumers are simply uneducated when it comes to obtaining the best mortgage product to fit their financial needs and goals." says Brian Michaud, a mortgage originator based in Lutz, Florida.

For most consumers a mortgage is the single largest financial transaction they will make during their lifetime. In fact, most mortgage payments account for approximately 32% of consumer&aposs monthly income.

Brian Michaud has put together a new website to finally allow consumers the ability to obtain all of the information they need to make an informed decision.

Here is a listing of some of the Insider Tips available at http://jacksonvillemortgage.net

- Little Known Secrets That Will Show You How To Improve Your Credit Score

- Important Terms You Must Know BEFORE Obtaining A Mortgage

- Tested and Proven Strategies For Building A Better Credit Record Faster and Easier

- The Top Mortgage Questions Borrowers Must Ask Before Applying For A Mortgage

- How To Finally Stop Renting And Own A Home Of Your Own

- How To Own A Home With Low Interest Rates And A Low Down Payment, Regardless Of Your Credit

- 7 Things You Should NOT Do When Applying For A Home Loan

- 12 Secrets To Lowering Your Homeowners Insurance Cost Your Agent Doesn&apost Want You To Know

Lutz, Florida - based mortgage expert Brian Michaud specializes in providing information to consumers that allows them to make informed decisions about their mortgage financing options and learn the insider secrets that can save them thousands of dollars over the life of their loan.

Brian Michaud is available for interviews and will welcome all your mortgage related questions.

Call 904-233-2072 for a Free No-Obligation Consultation or visit

http://www.jacksonvillemortgage.net

For more information on this press release visit: http://www.sbwire.com/press-releases/florida/mortgage-expert/sbwire-125744.htm

Jacksonville, Florida Based Mortgage Lender Brian Michaud reveals mortgage secrets at a new web site that is full of free reports, a home buying guide and free mortgage calculators. The site is designed to give consumers all the facts so they can make an educated decision when obtaining a mortgage.

Lutz, FL -- (SBWIRE) -- 01/25/2012 -- Jacksonville, Florida based Mortgage Expert finally reveals the secrets at a brand new website

http://www.jacksonvillemortgage.net

This site is loaded with FREE REPORTS, an informative home buying guide, mortgage calculators consumers can use to run various loan scenarios and home buying resources you can use to save time and money before and after you purchase your home.

If you&aposre planning to buy your next home, your first home, that dream home, a condo, vacation home, investment property or looking to refinance in Florida or the surrounding areas, you will find that this site is a complete resource full of insider secrets that will allow you to choose the loan program best suited to your financial needs.

Here is just a small sample of the secrets revealed on this site...

- Little Known Secrets That Will Show You How To Improve Your Credit Score

- Important Terms You Must Know BEFORE Obtaining A Mortgage

- Tested and Proven Strategies For Building A Better Credit Record Faster and Easier

- The Top Mortgage Questions Borrowers Must Ask Before Applying For A Mortgage

- How To Finally Stop Renting And Own A Home Of Your Own

- How To Own A Home With Low Interest Rates And A Low Down Payment, Regardless Of Your Credit

- 7 Things You Should NOT Do When Applying For A Home Loan

- 12 Secrets To Lowering Your Homeowners Insurance Cost Your Agent Doesn&apost Want You To Know

Lutz, Florida - based mortgage expert Brian Michaud specializes in providing information to consumers that allows them to make informed decisions about their mortgage financing options and learn the insider secrets that can save them thousands of dollars over the life of their loan.

Brian Michaud is available for interviews and will welcome all your mortgage related questions.

Call 904-233-2072 for a Free No-Obligation Consultation or visit

http://www.jacksonvillemortgage.net

For more information on this press release visit: http://www.sbwire.com/press-releases/florida/mortgage-expert/sbwire-124136.htm