Do I Qualify?
To apply for HARP, applicants must first meet 3 basic criteria:
- The existing mortgage must be guaranteed by Fannie Mae or by Freddie Mac
Not Sure If You’re Owned by Fannie or Freddie?
>> Click Here to check for Freddie Mac
>> Click Here to check for Fannie Mae
- The existing mortgage must have been acquired by Fannie Mae or Freddie Mac prior to June 1, 2009 (your current mortgage loan must have closed before that date)
- The mortgage payment history must be perfect going back 6 months and no more than one 30-day late payment going back 12 months
*Eligibility criteria are for guidance only. Contact us to see if you qualify for HARP.
If you are current on your mortgage and have been unable to obtain a traditional refinance because the value of your home has declined, you may be eligible to refinance through HARP. HARP is designed to help you refinance into a new affordable, more stable mortgage. The HARP loan is a new loan and will require a loan application and underwriting process. Loan refinance fees will apply.