Making Home Affordable has created the Home Affordable Refinance Program (HARP).  It was created to help more borrowers refinance into today's low rates, that have limited options due to property value.  See if you qualify today:

Step 1- Loan Lookup

See if Fannie Mae or Freddie Mac own your current mortgage

NEW- A Recent annoucement by the Obama Administration will have significant changes to the HARP program.  The below guidelines will change, removing the requirment for appraisal altogether.  We anticipate these new guidelines to be implemented sometime mid-December or 1st of January.  Freddie Mac just released a bulletin about their new program.

Step 2- Make sure you fit these basic guidelines

Your total loan amount is not greater than 125% of current value

• You est. your credit score to be 680+
• You are able to qualify full doc  (income) and currently have a job
• Your current loan must NOT have mortgage insurance

Step 3- Check HARP rates to see potential savings

HARP Rate Sheet

 Once you have completed these 3 steps for the HARP loan, you are ready to proceed with application.  You can contact one of our team members or apply online.  If you have more questions about the Home Affordable Refinance Program, ask us we are hear to help.