Before the home loan is issued to you, your lender sees few things. i.e. your income, property, assets, monthly income and your credit history. If he finds it suitable then you will easily qualify for home loan.

Home Affordable Refinance Program is an excellent choice for the people who face home loans or mortgages and find difficulty in refinancing their homes. HARP is meant to give you a chance for refinancing your home again, giving you a path to happiness.

When it comes to loans and debts, it is advised that you do not hide the death of your spouse. As there could be further complications and breaking of rules. If you have, then it is best to consult a lawyer before walking towards the lenders, who could try to make life difficult for you.