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Home Affordable Refinance Program (HARP)

The Home Affordable Refinance Program is designed for homeowners who pay their mortgage on time but are not able to refinance because they have little or no equity in their home.

You must meet the following criteria to qualify for the Home Affordable Program:

Your current loan must have been sold to Fannie Mae or Freddie Mac. To find out, contact your current loan servicer or visit: http://www.makinghomeaffordable.gov/loan_lookup.html

During the last 12 months, all of your mortgage payments must have been made within 30 days of the due date.

Your new loan amount may not exceed 125% of the current appraised value of your home.
To obtain a good faith estimate for a Home Affordable refinance, click here.

Frequently Asked Questions

If I have a first and a second mortgage, do I still qualify?

As long as the balance due on the first mortgage is less than 125% of the value of the home, you may qualify. The lender on the second would have to agree to subordinate their loan to the new first mortgage, thereby remaining in second position.

Can I get cash out to pay off debts?

No. However, provided the new loan amount will not exceed 125% of the value of the home, you may include most closing costs in the new loan so you don’t have to come out of pocket with any cash.

If I’m delinquent on my mortgage, will I still qualify?

No. Borrowers who are currently delinquent on their mortgage should contact their current lender/servicer and ask about a loan modification.

Will I need mortgage insurance?

If your existing loan does not have Private Mortgage Insurance (PMI), it will not be required as part of your HARP refinance either.

How long will the Home Affordable Program be available?

The program expires on June 30, 2011. Your refinance transaction must be closed and funded on or before that date so act soon to take advantage of today's low rates.