HARP is a federal program established in 2008 to help responsible and underwater or near underwater homeowners refinance their mortgages to a lower rate. Through HARP, homeowners with loans held by Fannie Mae or Freddie Mac on or before 5/31/09, and have been current with their mortgage payments, may qualify for HARP refinance rates.

Benefits of a HARP Loan:

  • Homeowners save hundreds of dollars on mortgage payment each month
  • Loan-to-value is not a factor in determining qualification for a HARP loan
  • Relief for underwater homeowners who have a loan balance that is higher than the value of their homes
  • No equity, no private mortgage insurance, and no credit minimums are required to take advantage of HARP loans
  • The borrower must be current on the mortgage at the time of the refinance, with a good 12-month payment history
conventional mortgage loan

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