What is the HARP Loan Program in Florida?

The US Government's Home Affordable Refinance Program (HARP) is a program designed to help Florida homeowners refinance their homes in situations where home value has declined and, as a result, other refinancing programs are not an option. H.A.R.P. loans are meant to help homeowners obtain a more affordable and stable FL mortgage.

Florida HARP Loan Requirements

  1. Florida homeowners who currently owe more on their mortgage than the home’s current market value
  2. Have private mortgage insurance in Florida
  3. Have a Fannie Mae or Freddie Mac insured loan
  4. Have wanted to refinance in Florida but were told they didn't qualify
  5. Refinances of up to 95% loan-to-value
  6. Good payment history on current Florida loan
  7. Additional requirements apply

Do refinance fees for HARP Loans in Florida apply?

Florida HARP loans require underwriting and a loan application process and underwriting process so refinance fees will apply.

Florida HARP Lenders

Contact Home Point Financial to learn more about the Florida HARP program and eligibility.