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 Have wanted to refinance but were told you didn’t qualify

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% 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

Learn about HARP Loans in Your State