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            We have HARP for both FNMA and FHLMC 


Click here to have Free HARP Refinance Package sent to you



HARP 2.0 Guidelines

  • Must be held by FNMA or FHLMC (see below to determine) Note not the same as the bank you send your mortgage payments to.
  • Must not have been late on mortgage in the last six months and one late allowed in the last12 months.
  • Unlimited Loan To Value (LTV) with unlimited CLTV if existing second mortgage will subordinates to the new first.
  • 105%LTV/110%CLTV on NON-Owner Occupied loans
  • No Appraisal required if underwriting findings give a property Fieldwork Waiver
  • Up to 4 financed properties
  • Minimum FICO Score 620 for owner occupied and 680 for no-owner occupied properties.
  • **Please complete this form so we can determine if you are qualified for this program.**


Home Affordable Refinance Program (HARP) HARP 1.0 original HARP program.

If you're not behind on your mortgage payments but have been unable to get traditional refinancing because the value of your home has declined, you may be eligible to refinance through MHA's Home Affordable Refinance Program (HARP). HARP is designed to help you get a new, more affordable, more stable mortgage. HARP refinance loans require a loan application and underwriting process, and refinance fees will apply.

+ Eligibility

You may be eligible for HARP if you meet all of the following criteria:

  • The mortgage must be owned or guaranteed by Freddie Mac or Fannie Mae.
  • The mortgage must have been sold to Fannie Mae or Freddie Mac on or before May 31, 2009.
  • The mortgage cannot have been refinanced under HARP previously unless it is a Fannie Mae loan that was refinanced under HARP from March-May, 2009.
  • The current loan-to-value (LTV) ratio must be greater than 80%.
  • The borrower must be current on the mortgage at the time of the refinance, with no late payment in the past six months and no more than one late payment in the past 12 months.

*Eligibility criteria are for guidance only.  Fill form out at bottom of the page to get espert advice..

+ Program Availability

The mortgage servicer (the company to which you make your mortgage payments)  is not where you find out if FNMA or FHLMC holds your mortgage. To find out follow both of these links if FNMA  does not hold your loan FHLMC might. Search Fannie Mae or Freddie Mac for help in determining if either agnecy holds your mortgage and if you may be eligible for HARP. 

Program ends December 31, 2013.

+ Steps to HARP Refinance
  • Determine whether your mortgage is owned or guaranteed by Fannie Mae or Freddie Mac by visiting their respective Loan Lookup Tools.
  • Contact your current mortgage servicer or another that is approved by Fannie Mae or Freddie Mac to inquire about HARP.
  • Compare rates and costs with additional mortgage companies to ensure best refinance terms.
+ For More Information
  • Visit or call (800)7Fannie.
  • Visit, call (800)Freddie.
  • If you have additional questions about getting mortgage help, contact one of our housing experts at 888-995-HOPE (4673). These HUD-approved housing counselors will help you understand your options, design a plan to suit your individual situation and prepare your application. Research shows that homeowners who work with housing experts like these are more successful and have better long-term outcomes. There is no cost to you for this valuable, around-the-clock service. Help is available in more than 160 languages.

+ Videos

Click here to watch video ›  HARP for Northern California, Rocklin HARP, Rocklin, Loomis, Penryn, Lincoln, Sacramento HARP, Elk Grove Harp.

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