Home Affordable Refinancing


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If you’re not behind on your mortgage payments but have been unable to get traditional refinancing because the value of your home has declined, you may be eligible to refinance through the Home Affordable Refinance Program (HARP).  This program is designed to help you get a new, stable and more affordable mortgage.

You may qualify for a HARP loan if:

• The mortgage is owned or guaranteed by Fannie Mae or Freddie Mac.
• The mortgage has been sold to Fannie Mae or Freddie Mac on or before May 31, 2009.
• The mortgage has not been refinanced to be a HARP previously. The exception is a Fannie Mae loan refinanced to be a HARP from March through May 2009.
• The current loan-to-value (LTV) ratio, must be greater than 80%.