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<strong><center><a href="http://www.ijlcicm.us/l/lt16SAAL4807XFGEC218NGLEP/505PFYQB1695SPWLCF4053DSR10UD65796583WQ1410730905"><H3>President Announces HARP Extension. Start Saving Today</a></H3></strong>
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<td align="center"><a href="http://www.ijlcicm.us/l/lt16GWCE4807CIKFW218RSBJI/505IICKB1695RHPTPS4053MHO10SG65796583FY1410730905" target="_blank" style="text-decoration:none;"><img src="http://www.ijlcicm.us/im/DJFFR4807QMQK218FTTQDC/505SNFKW1695WGOQUX4053FNEM10MHV65796583UPPLEH1410730905/img121850543.jpg" border="0" style="max-width:100%; max-height:100%;display:block; margin:0px; padding:0px; font:bold 24px arial; color:#b4211e; text-align:center;" alt="Save on Your Mortgage" title="Save on Your Mortgage"></a></td>
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<td height="60%" align="left" valign="top" style="font:normal 14px arial; color:#333333; padding-left:15px; padding-right:10px; padding-top: 20px; line-height: 1.3">The HARP refinance program was designed by the government to save homeowners thousands on their mortgage. Recently, the president has announced the decision to extend HARP into 2015 allowing more homeowners to realize their savings potential. Thanks to these new government programs mortgage rates are now hovering at an all-time low and homeowners are acting fast by taking advantage of their opportunity to refinance.
<a href="http://www.ijlcicm.us/l/lt16TILP4807HACYM218LXKCL/505YCUJT1695VGPHAW4053XKG10UP65796583MQ1410730905" target="_blank" style="text-decoration:none;"><img src="http://www.ijlcicm.us/im/AXGHB4807LINW218IABTBF/505QKBOT1695RXTOXE4053UTVH10KVI65796583TFLFPY1410730905/img221850543.jpg" border="0" style="max-width:100%; max-height:100%;display:block; margin:0px; padding:10px 0; font:bold 24px arial; color:#b4211e; text-align:center;" alt="See if You Qualify" title="See if You Qualify"></a>
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<td width="40%" align="right" valign="top" style="padding-top: 20px; margin-right: 20px;"><a href="http://www.ijlcicm.us/l/lt16EAYI4807VCPON218REJJE/505DADJU1695YIFLGP4053FMB10ME65796583AT1410730905" target="_blank" style="text-decoration:none;"><img src="http://www.ijlcicm.us/im/FBCBD4807RSSJ218WCUDHU/505ITQHC1695XTINBW4053OOCQ10IJT65796583MMWEFS1410730905/img321850543.jpg" border="0" style="max-width:100%; max-height:100%;display:block; margin:0 5px 0 0; padding:0px;" alt="Obama Announces HARP 2.0" title="Obama Announces HARP 2.0"></a></td>
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<td align="center" style="padding: 0 5px; width: 33%;"><img src="http://www.ijlcicm.us/im/QEWLK4807FHSY218ADDXYL/505NAJEQ1695NWBYQN4053UTIL10XIY65796583INGEOG1410730905/img421850543.jpg" border="0" style="max-width:100%; max-height:100%;display:block; margin:0 5px 0 0; padding:0px;" alt="HARP Program" title="HARP Program">
<h1 style="font-size: 15px; color: #d84e3b;">HARP Program</h1>
Homeowners can now utilize HARP to refinance their home from high interest rates, declined home values, and underwater mortgages.
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<td align="center" style="padding: 0 5px; width: 33%;"><img src="http://www.ijlcicm.us/im/HRGGF4807VIQA218EWDDNR/505RGOLQ1695CLYBWO4053KBDS10KWA65796583QFVBVY1410730905/img421850543.jpg" border="0" style="max-width:100%; max-height:100%;display:block; margin:0 5px 0 0; padding:0px;" alt="HARP Program" title="HARP Program">
<h1 style="font-size: 15px; color: #d84e3b;">HARP Benefits</h1>
Up to 200% loan to value, late mortgage payments may be acceptable, minimal fees, little or no out-of-pocket expenses, some may qualify without an appraisal.
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<td align="center" style="padding: 0 5px; width: 33%;"><img src="http://www.ijlcicm.us/im/BDVHI4807MYCU218PNLRCL/505SYADA1695GWKFYD4053MWEJ10XIO65796583UPWJQA1410730905/img421850543.jpg" border="0" style="max-width:100%; max-height:100%;display:block; margin:0 5px 0 0; padding:0px;" alt="HARP Program" title="HARP Program">
<h1 style="font-size: 15px; color: #d84e3b;">HARP Guidelines</h1>
You may be eligible for a HARP 2.0 refinance through the Home Affordable Refinance Program. Check your eligibility through our simple, no obligation HARP program quotes.
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<td colspan="2" style="background: #01215a; font-size: 14px; font-family: arial, helvetica, sans-serif; color:#FFFFFF; padding: 10px; line-height: 1.3; border-top: 3px solid #fff;"><a href="http://www.ijlcicm.us/l/lt16EGPR4807XRDSQ218GYSOX/505DVWIJ1695VNUUXJ4053RNI10DG65796583KJ1410730905" target="_blank" style="text-decoration:underline; color: #FFFFFF;">LEARN MORE</a> ABOUT THE HOME AFFORDABLE REFINANCE PROGRAM & HOW YOU CAN PAY OFF YOUR HOME IN HALF THE TIME.</td>
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<p style="font-size:xx-small;">necessary to determine eligibility, it's hard to see how the forms could
be any shorter," said Robert Laszewski, a former insurance executive turned
industry consultant.Activist Ron Pollack, executive director of Families
USA, is an administration ally who had openly criticized the first draft
of the forms, worrying that consumers would get discouraged just trying
to fill them out. He called the changes "very positive.""There has got
to be a balance to between getting adequate (financial) information to make
sure everybody gets the help they're entitled to under the law, while
at the same time trying to keep the process consumer-friendly," said Pollack.Although
the new forms are shorter, the administration wasn't able to get rid
of all the complexity. Individuals will have to gather tax returns, pay
stubs and other financial records before filling out the application.Administration
officials expect most consumers to apply online through the new insurance
marketplaces in each state. A single application process will serve to route
consumers to either private plans or the Medicaid program. Identification,
citizenship and immigration status, as well as income details, are supposed
to be verified in close to real time through a federal "data
hub" that will involve pinging Social Security, Homeland Security and the
Internal Revenue Service.Currently, applying for health insurance individually
entails filling out a lengthy questionnaire about y
necessary to determine eligibility, it's hard to see how the forms could
be any shorter," said Robert Laszewski, a former insurance executive turned
industry consultant.Activist Ron Pollack, executive director of Families
USA, is an administration ally who had openly criticized the first draft
of the forms, worrying that consumers would get discouraged just trying
to fill them out. He called the changes "very positive.""There has got
to be a balance to between getting adequate (financial) information to make
sure everybody gets the help they're entitled to under the law, while
at the same time trying to keep the process consumer-friendly," said Pollack.Although
the new forms are shorter, the administration wasn't able to get rid
of all the complexity. Individuals will have to gather tax returns, pay
stubs and other financial records before filling out the application.Administration
officials expect most consumers to apply online through the new insurance
marketplaces in each state. A single application process will serve to route
consumers to either private plans or the Medicaid program. Identification,
citizenship and immigration status, as well as income details, are supposed
to be verified in close to real time through a federal "data
hub" that will involve pinging Social Security, Homeland Security and the
Internal Revenue Service.Currently, applying for health insurance individually
entails filling out a lengthy questionnaire about y
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