Many homeowners mistakenly think they don't qualify for a current low rate because they owe 'what their home is worth or more' or 'have a second mortgage or HELOC.' Don't let this opportunity pass you by if you have not been late in the past 12 months and just don't think your income is there--it doesn't matter if our Fannie or Freddie direct system accepts your overall credit! Call me to see if you qualify up to $729,650.