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Call Chris McAleer at 302-733-7035


Home Affordable Refinance Program …
Are You Eligible?

If you are unable to lower the interest rate on your mortgage (possibly due to decreased home value), but you are caught up on your mortgage payments, the Home Affordable Refinance Program (HARP) may allow you to refinance.
Are you eligible?
Take this short survey to find out:
1. Is the mortgage owned or guaranteed by Freddie Mac or Fannie Mae?
Not Sure
2. Was the mortgage sold to Fannie Mae or Freddie Mac on or before May 31, 2009?
Not Sure
3. Has the mortgage been refinanced under HARP previously?
Not Sure
4. Is the current loan-to-value (LTV) ratio greater than 80%?
Not Sure
5. Are you current on the mortgage and have you been paying on time for the past 12 months?
Not Sure
Contact Chris McAleer an advance CDPE member in order to review your survey results together to determine the likelihood of your eligibility.*
**Information in this survey sourced from Making Home Affordable website, available here:
How to Recognize a Mortgage Scam
You might be a victim of a scam if:
  • You are told you will get a federal incentive to walk away from your mortgage
  • You are asked to pay upfront for counseling
  • You are pressured to sign papers immediately
  • You are asked to sign your house over to a company or person who is not working with your mortgage company
  • You are asked to make a mortgage payment to someone other than your mortgage company without their approval
  • You are guaranteed a successful short sale or mortgage modification
  • They claim to be a representative of the federal government

If you believe that you are a victim of a scam, you should contact the Federal Trade Commission (FTC) at 1-877-FTC-HELP (1-877-382-4357) or visit their Complaint Assistant

What is a CDPE®?
Learn how agents with a Certified Distress Property Expert® Designation are best suited to help distress homeowners.

Chris McAleer

*The information provided in this webpage is based on government documents, which are subject to change. Therefore, the Distressed Property Institute, LLC, and the agent featured on this page, cannot be held responsible for the accuracy of the information provided here. This survey can help you determine the likelihood of your eligibility, but only the servicer of your loan can tell you if you qualify. 

It is strongly recommended that you seek appropriate professional counsel regarding your rights as a homeowner. The above brokerage is not associated with the government, and our service is not approved by the government or your lender. Even if you accept this offer and use our service, your lender may not agree to change your loan.

The above brokerage assumes no responsibility nor guarantees the accuracy of this information and is not engaged in the practice of law nor gives legal advice.

©2012 Charfen Institute. | All Rights Reserved | Privacy Policy

All information, regardless of source, is not guaranteed and should be independently verified. 

Patterson-Schwartz Real Estate
680 S. College Ave., Newark, DE 19713
Main Office Phone: 302-733-7000
Christopher McAleer
Agent Phone: 302-468-7721  
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