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Top Loan Officer Sohini Sen-Woodson of Wells Fargo in Dallas, Texas can help you make a home affordable. She not only has the refinance and mortgage background of 10 years but she has been licensed in all the financial services fields, including home owner's insurance which is a great way to make a home affordable with Wells Fargo Insurance.
Sohini's main objective, whether doing a FHA purchase, or a Home Affordable Program Refinance through Fannie Mae or Freddie Mac is to make a home affordable. This is her goal with all clients. Often times a person can qualify for more than they can truly afford but she view it as her fiduciary responsibility to make a home affordable.
 
Many home owners got high interest loans in the 2004-2009 era and they find it hard to refinance to make a home affordable. This is because property values have gone down making it hard it not impossible to refinance and make a home affordable. However for loans funded and delivered to fannie mae or freddie mac prior to June 1st, 2009 might be eligible for the Home Affordable Refinance Program, which in its name itself is the best way to make a home affordable. This program benefits the underwater home owner and targets this clientelle because it is not their fault the market crashed around them. However in order to make a home affordable through the Home Affordable Refinance Program, you MUST be current on your existing mortgage.
If you are past due you should probably consult your servicers loss mitigation or loan modification department. Many times a loan modification can REALLY make a home affordable. This is especially true if you qualify for the governments other initiative to make a home affordable which is called HAMP or the Home Affordable Modification Program. Again to be eligible for this government modification you must have a loan owned by fannie mae or freddie mac.
To determine if Sohini can help you make a home affordable for you with the HARP, please visit the following two pages to see if your loan is owned by Fannie Mae or Freddie Mac. It is very likely you pay your loan to a third party servicer like Wells Fargo or Bank of America. As mentioned IF you are late on your mortgage Sohini cannot help you directly but she can reccomend help by telling you your servicers hotline to help make a home affordable.
Her Goal isn't to just get your deal closed and make a commission, her goal is to make a home affordable and that home is yours.
Does Fannie Mae Own My Loan?
Does Freddie Mae Own My Loan?
Call or email sohini.b.sen-woodson@wellsfargo.com for more info. Sohini wants to make a home affordable and that starts with you!
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