See If You Qualify

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HARP Home Affordable Refinance Program

Do you want to reduce your mortgage payment with a HARP refinance?


Does Fannie Mae own your mortgage?

The U.S. Department of the Treasury and the U.S. Department of Housing and Urban Development today announced an extension of the Obama Administration’s Making Home Affordable Program through December 31, 2015.

If you are current on your mortgage with or without equity then you are eligible for this program. As the government continues to purchase mortgage backed securities, rates continue to fall and are at record lows.

The Home Affordable Refinance Program allows you take advantage of current market rates even if you are underwater. Take advantage of the HARP program and lower your monthly payment or term using the Fannie Mae streamline process.

Homeowners who are current on their mortgages but have been unable to take advantage of today's lower interest rates because their homes have decreased in value, may now have the opportunity to refinance.

If the loan being refinanced does not currently have PMI then the new loan will not require PMI. The new loan must provide a benefit to the borrower in the form of a reduced P&I payment of at least 5% or more stable program.

The program should:

Credit score requirements:

  • Primary Residence no minimum credit score required
  • Second Home no minimum credit score required
  • Investment Properties no minimum credit score required

The objective of a refinance under Home Affordable Refinance Program is to provide creditworthy homeowners who have shown a commitment to paying their mortgage the opportunity to get into a new mortgage with better terms.

Homeowners whose mortgage interest rates are much higher than the current market rate should see an immediate reduction in their payments. Homeowners who are paying interest only, who have a low introductory rate that will increase in the future, or who face a balloon payment may not see their current payment go down if they refinance to a fixed rate and payment. These homeowners, however, could save a great deal of money by reducing the amount of interest you pay over the life of the loan.

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Home Affordable Refinance Program


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H.A.R.P. Program

No Minimum

Credit Score requirements

  • No minimum credit score HARP refinance
  • Zero mortgage late in last 6 months
  • One times 30 days late in last 7 - 12 months

Eligible Property Types

  • Primary Residence 1 - 4 units
  • Second Home 1 - 4 units
  • Investment Property 1 - 4 units

H.A.R.P. Program

The program should

  • Reduce the interest rate
  • Replace an ARM or Interest-Only payment loan
  • Reduce the monthly Principal and Interest payment
  • Reduce the amortization term

H.A.R.P. Program

Home Affordable Refinance Program allows you take advantage of current market rates even if you are underwater.


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888.958.5382

Apply Now!