HARP 2.0 (Home Affordable Refinance Program)


Call: (800) 466-3733

Government has eased requirements for qualification with Federally-backed HARP Refinancing

In an effort to entice current Fannie Mae and Freddie Mac borrowers to refinance, both agencies have adopted the HARP (Home Affordable Refinance Program) program established by the federal government. Loans closed and sold to Fannie or Freddie prior to May 31st, 2009, in most cases are eligible, as long as the borrower has been making their payments on time. This new refinancing program is not appraisal based.

Softer underwriting guidelines, no LTV (Loan to Value) or CLTV (Combined Loan to Value) requirement and, in many cases no appraisal, make it far easier for most borrowers to take advantage of these historically low interest rates. These sites are available to see if you qualify. Go to www.freddiemac.com/mymortgage or http://www.fanniemae.com/loanlookup and check in the Home Affordable Refinance Program for a “property lookup”.

Download HARP Informational Brochure from Fannie Mae and Freddie Mac about Expanded Opportunities to Refinance your Mortgage

We have loan officers ready to help answer your questions on this recently revised program ( HARP 2.0 ). We can assist with helping you to determine if the property is an eligible property. We can also help you determine how this program may benefit you. Call us today for more information at 800-217-7334.

For additional resources


  • Check out our Rates link. - The HARP refinance options use the Conventional Mortgage Rates.
  • Let's get your online application started NOW!

To speak with a non-commission loan officer call:

1-800-875-REFI (1-800-875-7334)