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Underwater with Your Home Loan? HARP 2.0 Refinance Can Help!

Homeowners who have less than 20% equity and closed their loan before 5/31/2009 may be eligible for Home Affordable Refinance Program (HARP) 2.0. With many homeowners underwater with their mortgages, there are federal programs that have been implemented to provide you with alternatives.

What Can HARP Do for You?

HARP is a federally-backed refinance program that allows owners that have existing Fannie Mae or Freddie Mac home loans to qualify for refinancing. Even if you happen to be "underwater" or at a high loan-to-value with your mortgage, you still may be able to qualify through HARP.


  • Allows for refinance and reduction in payment, even if the loan would not typically be eligible for a refinance
  • Lowers your monthly payment
  • Secure a fixed-rate mortgage that won't change over time
  • Lower closing costs because an appraisal may not be required

NOTE:  The end date to get a HARP refinance is December 31, 2018




  • Existing loan must be owned by FNMA or FHLMC
  • Existing loan must have been sold to FNMA or FHLMC on or before 5/31/2009
  • Existing loan must not have been previously refinanced through HARP (with specific exceptions)
  • Existing Loan-to-Value of at least 80%
  • Existing loan must not be delinquent
  • Existing loan must have 12+ months good payment history
  • Minimum FICO score of 620
  • Delinquent loans, or borrowers with credit issues may not be eligible for HARP

Find out if your mortgage is eligible for HARP

Don't resign yourself to thinking that you have no help when drowning in homeowner debt.  We are here to get you the assistance you need when you're underwater and need to refinance.  Our experience in helping past clients enjoy the benefits that HARP 2.0 has to offer can only serve to benefit you. For more information on this exciting opportunity, contact one of our loan officers today.

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