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Harp 2.0 Guidlines. The wait is over for homeowners who want to refinance but owe more on their mortgages than their homes are worth. No LTV and CLTV Restrictions on Fixed Rate Mortgages: Loans that qualify under HARP no longer have LTV and CLTV restrictions. This means you can be significantly underwater and still refinance if you have or are getting a fixed rate term. ARMs and mortgages with greater than 30 year amortizations are limited to 105% LTV; however, no restrictions on CLTV. 15 yr fixed 5....

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United Fine Car Ltd.

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