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Making Homes 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 acquired by Fannie Mae or Freddie Mac prior to June 1, 2009. To find out if your current loan is either a Fannie Mae or Freddie Mac loan, 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.

We would be happy to prepare a refinancing loan estimate. To obtain a Home Affordable refinance quote, click here.

Frequently Asked Questions

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

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. Contact your second mortgage lender and ask.

Can I get cash out to pay off debts?

No. However, you may be able to include most closing costs in the new loan so you don’t have to come out of pocket at settlement.

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 December 31, 2013. Your refinance transaction must be closed and funded on or before that date so act soon to take advantage of today's historic low rates.