I found the links for the new guidelines for the new HARP 2.0 program. The trick is going to be finding a lender that will underwrite directly to the new guidelines. I'll let you know when I find one.
http://www.freddiemac.com/sell/guide/bulletins/pdf/bll1122.pdf
https://www.efanniemae.com/sf/guides/ssg/annltrs/pdf/2011/sel1112.pdf
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