Millions of homeowners have lost their equity during the housing crisis. What is a Harp loan? The HARP Refinance Program was created to help struggling borrowers secure a HARP mortgage solution regardless of their loan to value.

New Government Program Helps People with Underwater Refinancing

Fannie Mae and Freddie Mac collaborated on this unique refinance program that enables borrowers to refinance beyond 125% of their home’s appraised value. This is a rate and term refinance program and you must have a mortgage that is owned by either Fannie Mae or Freddie Mac. The latest version of the HARP mortgage allows underwater refinancing to borrowers regardless of the loan to value.

No Loan to Value Limits with the Home Affordable Refinance Program

If you meet those qualifications and do not qualify for FHA, then consider the HARP and reap the benefits of the latest government relief assistance for distressed homeowners.

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See Today’s Mortgage Refinance Rates

How do I Apply for the HARP Mortgage Refinance Plan?

The first step is to complete the form above and our lending representatives will follow up with you in regards to your HARP eligibility, interest rates and more. We will help you complete the Home Affordable Refinance application that is required for this unique government relief initiative.

You can also contact your present loan company, but make sure that they are approved for financing with Fannie Mae or Freddie Mac. The phone number should be located on your mortgage statement that your company mails to you monthly. HARP qualifications are not what they once were, so take a minute and discuss your situation with certified HARP lenders now.

If you still are unsure about meeting the HARP refinance requirements and need help looking up your mortgage, please check out the HARP mortgage look-up resource from Making Homes Affordable.

According to the Federal Housing Finance Agency HARP applications were sluggish last quarter. The Mortgage Reports said it was mostly due to “awareness.” Unfortunately man struggling homeowners have indicated that their reluctance stemmed from their view that this program was another “mortgage scam.” Approximately 600,000 homeowners remain eligible for the Home Affordable Refinance Program also known as HARP 3.0.

Test Your Eligibility for HARP Mortgage Refinancing

What Can I do to Automate the Home Affordable Refinance Process?

Please gather the following information and documents below:

Verify that your home loan is owned or guaranteed by Freddie Mac or Fannie Mae.
Verify whether or not your loan was sold to Freddie Mac or Fannie Mae on or before May 31, 2009.

To qualify you must be current on your present loan with no late payment in the past six months and no more than one late payment in the past twelve months. Learn more about HARP mortgage rules with no fees when you check. Stop wasting time and find out what the HARP loan is all about and whether this program is actually an opportunity that you qualify for.