The Road to Recovery, helping American people through a recession.

The Home Affordable Refinance Program (HARP) 2.0offers underwater homeowners the chance to refinance their mortgages when they owe more than their homes are worth. In an effort to help stabilize the housing market, the government developed the program to help homeowner’s who either do not have enough equity for a traditional refinance and desire to refinance at today’s lower rates.

For homeowners with mortgages guaranteed or owned by Fannie Mae or Freddie Mac, you may qualify for a HARP loan if you have good payment history in the last 12 months and you have not refinanced under the HARP program previously.

Contact us to learn more about Harp 2.0 and if you qualify.

NEW AS OF OCTOBER 2013: Fannie Mae and Freddie Mac are expanding the eligibility dates for HARP. Previously to be eligible for HARP, Fannie Mae and Freddie Mac required borrowers to have their previous loan scrutinized by Fannie or Freddie on or before May 31, 2009. With the new guidelines, borrowers must have a loan note date on or before May 31, 2009. This change is effective now for Fannie Mae and Freddie Mac. Many homeowners who closed their previous loan in April or May 2009 may now be eligible for HARP. CALL US TODAY to see if this change could benefit you!

Interested in learning more about recent changes to HARP 2.0? CLICK HERE to read our recent blog article.

We represent over 15 different lenders and will shop for the best lender and rate for you and your financial situation so you don’t have to. Contact us today to speak with an expert Mortgage Planner and see if HARP 2.0 is right for you.