HARP Refinance

HARP Refinance

Refi with a new, more affordable mortgage.

HARP Refinance

The Home Affordable Refinance Program (HARP) is a government initiative designed to assist homeowners who've seen a drop in their home value, refinance their home loan with better terms.

If you’re current on your mortgage payments, you might be able to take advantage of the HARP refi plan even if you owe more on your home than it’s worth.

  • Mortgage must be owned or guaranteed by Freddie Mac or Fannie Mae. If you don’t know, call us at (855) 372-5626 and we’ll help you find out.
  • Mortgage must be current; no delinquency in the past 6 months and no more than one late payment in the past 12 months.
  • Credit score, income verification and appraisal may not be required.

Refinance Calculators

A lending expert will review and provide you the terms, conditions, disclosures, and additional details on the interest rates that apply to your individual situation.


Programs are available only to qualified borrowers. Programs are subject to change without notice. Some restrictions may apply.  All borrowers are subject to qualification, underwriting approval, lender terms and conditions. Interest on the portion of your loan balance that is greater than the fair market value of the dwelling is not tax deductible for federal income tax purposes. You should consult a tax advisor for further information regarding the deductibility of interest and charges.

 

Fair Lending Statement