Another Southeastern Michigan HARP 2.0 Success Story ...Best of All It Didn't Cost Them ONE Penny!

July 16, 2012 - PRLog -- You may choose to forward this to someone you care about that is upside down on their home.  Imagine how grateful they will be.



See if you qualify for HARP Now.



Southeastern Michigan HARP 2.0 stories continue. HARP refinances are finding their way into the savings accounts of many Michigan homeowners day after day. This is the story of John and Kelly Hopper.

John and Kelly just closed on their HARP2.0 refinance Loan and we wanted to share how HARP 2.0 and Tom Jacobs, Branch Manager, at VanDyk Mortgage Corp.

Kept them from spending more than necessary on their Sterling Heights Home Loan.

Loan before HARP:


Balance: $240,281

Interest Rate: 5.50%

P+I Payment: $1447.86

New HARP Loan:

Balance: $243,300

Interest Rate: 4.25%

P+I Payment: $1196.89

HARP refinances monthly savings: $250.97

We advised John and Kelly Hopper to structure their loan to have $0 closing costs. In fact, Tom Jacobs’s been able to pay their closing costs and credited an additional $1,343.78 towards creating their new escrow account for taxes and insurance.

We also structured the loan to allow John and Kelly to:

•Keep their June 1st payment? keeping $1,916,
•No payment due July 1st? keeping another $1,916,
•they received back $490 back at closing,
•PLUS they will receive their escrow refund $1,702 after closing.
All of this was strategic designed to get some monies back through the exercise.

More good news - we identified their property was significantly over-insured and advised Nate to have the dwelling coverage reduced, which saved them over $400.00 per year.

These added strategies through consultative advice created:



HARP immediate? In-my’s-pocket? Savings of $8,367

See What John and Kelly Say about the NEW HARP 2.0 Program: http://youtu.be/6vglFth3LTE




For more information on how the HARP 2.0 refinance program can reduce your monthly payment contact:

Tom Jacobs

Branch Manager, NMLS #176601

VanDyk Mortgage Corp.

Toll Free: 877-893-5965



Rick Giese & Tom Jacobs specialize in loan modification assistance and short sales in the Macomb, Oakland and southern St Clair County Areas of Michigan. Macomb Loan Modification Help, Macomb Short Sale Help. Oakland Short Sale Help Macomb and Oakland County MI our services are offering sellers another option besides pre-foreclosure foreclosure or bankruptcy that can affect their credit for years. We are currently offering our services in the Richmond, Shelby Township, Macomb Township, Chesterfield Township, New Baltimore, Clinton Township, Sterling Heights, Mount Clemens (Mt Clemens) Fraser, Harrison Township, Warren, Roseville, St Clair Shores areas of Macomb County Michigan Madison Heights, Troy, Clawson, Royal Oak, Rochester, Rochester Hills, Berkley, Birmingham areas of Oakland County