If you are underwater on your home loan, and your loan is owned by Fannie Mae or Freddie Mac, HARP financing may be available to you. Applying is easy; HARP refinancing is a loan you apply for with a qualified HARP program mortgage broker or banker, not with Fannie/Freddie directly.

Get started today with this simple THREE step process.

Step ONE:
Use these secure lookup tools to determine if Fannie Mae or Freddie Mac own your loan. :
Does Fannie Mae own my loan?

Does Freddie Mac own my loan?

Step TWO:
Review the HARP guidelines to see if you meet the remaining qualifications for HARP.

If you believe you qualify or you still have questions, it’s time to speak directly with a HARP expert and licensed mortgage professional.

Fill out the contact form on the right, or call us toll free at: (800) 573-6379

How might HARP benefit me?


The HARP Program helps underwater borrowers to refinance their loan and take advantage of lower mortgage rates, or move to a more predictable loan program, such as from an adjustable rate loan to a fixed rate loan. The primary benefit of HARP is to help homeowners by lowering their rates. This allows a borrower to [...]

What should I do if my servicer tells me that the investor is not participating in the Making Home Affordable Program?


The short answer is – find an investor (lender) that is participating in the HARP Program. The HARP Program is a refinance program.  Therefore, your new refinance loan will pay off the old loan through the refinancing.  If the current investor (servicer/lender) is not participating in the program, simply to find a lender (investor) that is.  [...]

Will refinancing lower my payments?


YES,  Given that most 30 year fixed rate mortgages over the past decade have spanned the range from 4.5% to 6.5% range, refinancing at current rates in the high 3% to low 4% range will save a borrower a boat load of interest over the life of the loan. Take the example of a $250,000 loan currently at [...]

Is there a maximum loan-to-value (LTV) ratio for HARP?


There is no maximum LTV (loan-to-value) with HARP Program as defined by Fannie Mae and Freddie Mac guidelines.   The minimum LTV  is 80%.  Theoretically, a borrower should have the ability to refinance despite any loan to value: 100-150-200% LTV, which is why the program is so valuable for underwater borrowers However, many lenders are nevertheless imposing their own [...]