HARP 2.0 Refinance

HARP 2.0 is a refinance option for homeowners that are "underwater," meaning they owe more on their home than their home is worth.

If you owe more than your home is worth, this program may help you save money.  Recent changes are designed to allow even more homeowners an opportunity to refinance to a lower rate and shorter term even if they owe more than their home is worth. This program may be an affordable refinance option for homeowners who would not otherwise qualify for a traditional refinance.

Why refinance under HARP 2.0?

  • Receive lower rates even if you have little equity in your home. Some can refinance to a lower rate with no equity.
  • Reduce monthly mortgage payments when you refinance to a lower rate.
  • Save on interest over the life of your loan when you refinance to a reduced term.
  • No mortgage insurance is required on your new loan if none is in place on current mortgage.
  • No property appraisal required in some situations.

You may be eligible to refinance under HARP if:

  • You have not already refinanced the same property in the past under the HARP Program
  • Your existing mortgage must have been sold to Fannie Mae or Freddie Mac on or before May 31, 2009. 
  • Click here to see if Fannie Mae owns your loan.
  • Click here to see if Freddie Mac owns your loan.
  • You must be current on your mortgage payments with no late payment in the past six months and no more than one late payment in the past 12 months.
  • The program will continue to be available for loans with the current loan-to-value (LTV) above 80%. 

We do not need to be the current loan servicer on your mortgage to help you take embrace this great opportunity. 

  • Call us at 800.917.8997 for a personal loan review with one of our licensed Mortgage Loan Officers.
  • Complete this quick online form and we will contact you to discuss your eligibility.
  • Complete the online application to begin the refinance process.

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