The HARP loan refinance program

Recent legislation allows homeowners to refinance their mortgage loans even if the outstanding balance of the mortgage is greater than the value of the home. The Administration’s comprehensive plan is known as the Making Home Affordable Program (HARP).

The HARP Refinance Program is:

  • Available with fixed-rate and some adjustable-rate products
  • Designed to help you refinance through flexible eligibility criteria
  • For homeowners with mortgage loans that are held or guaranteed by Fannie Mae or Freddie Mac
  • To determine if your loan is held or guaranteed by Fannie Mae or Freddie Mac, you can check online at or
  • Call us at (888) 856-3235 and we will assist you in assuring your eligibility and process your paperwork for you.

To be eligible for the Home Affordable Refinance Program, you must be current on your mortgage payments.

This program is recommended for homeowners who:

  • Have been unable to refinance their mortgage because their home’s value has declined. In some cases, no appraisal is required. 
  • Want to refinance their current adjustable-rate mortgage (ARM), interest-only or balloon mortgage loan into a more stable fixed-rate mortgage and make full principal and interest payments each month

Freddie Mac borrowers do NOT have to verify their income (stated income)or assets, but Do need a minimum 620 middle credit score to qualify. Fannie Mae borrowers have NO minimum credit score requirement.

New 2012 HARP 2.0 guidelines allow borrowers to refinance regardless of the amount of negative equity without negative pricing adjustments.

Basic Pre-Approval

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