H.A.R.P Loans

Home H.A.R.P Loans

HARP Loans

The government’s Home Affordable Refinance Program (HARP) has expanded to allow more homeowners to refinance if you:

  • currently owe more on your mortgage than your home’s current market value
  • have private mortgage insurance
  • have a Fannie Mae insured loan and previously did not qualify for a refinance

This government program offers a low-cost refinance for homeowners in areas where prices have fallen and who meet credit history requirements. This program:

  • allows refinances of up to 95% LTV (loan-to-value)
  • includes borrowers who currently have Private Mortgage insurance
  • gives you the opportunity to lock into the security of a fixed-rate mortgage
  • helps borrowers who have a good repayment history, but who have not been eligible for refinance due to falling home values

*Home Point Financial Corporation is not affiliated with the Federal Housing Finance Agency or any other governmental agency.