HARP Refinance

Is HARP Right For Me?

Have you made all your mortgage payments on time?

Are you looking for a lower mortgage rate, with an easier loan process – even if you missed a payment in the past.

Is your loan owned by Fannie Mae or Freddie Mac? (Unsure? We’ll find out for you!)

Refinancing with the Home Affordable Refinance Program (HARP) might be right for you if you answered yes to any of the above questions.

With today’s record low interest rates you may be able to lower your monthly mortgage payment and get rid of expensive private mortgage insurance premiums.

How HARP Works

Have you been unable to refinance in the past? Have you had trouble getting approved because your credit score hasn’t met the minimum required credit score requirement?

There still may be hope. With HARP you have an opportunity to save on your  monthly mortgage payment with minimal documentation, closing costs, and verifications. An appraisal may not be needed depending on your circumstances!

HARP was designed for the responsible homeowner that has not had a mortgage late payment within the past 12 months.  When you refinance with HARP, you can get a lower interest rate and mortgage payment, even if your home is “underwater!”

According to Fannie Mae data, the average HARP client saves $250 a month. Almost 3.5 MILLION families have benefited from the home affordable refinance program’s low mortgage interest rates!

  • 5, 7, 10 Year ARMS available
  • 15, 20, 25, 30 year fixed rate mortgages available



The mortgage loan in question must be owned by Fannie Mae or Freddie Mac

The mortgage loan in question must have closed on or before May 31, 2009

Must have made all mortgage payments within the last 12 months on time


*Fannie Mae data based on total Fannie Mae Home Affordable Refinance Program mortgage volume for 2012