What is the HARP Loan Program in Kentucky?

The US Government's Home Affordable Refinance Program (HARP) is a program designed to help Kentucky homeowners refinance their home in situations where 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 mortgage.

Kentucky HARP Loan Requirements

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

Do refinance fees for HARP Loans in Kentucky apply?

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

Kentucky HARP Lenders

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