What is the HARP Loan Program in North Dakota?

The US Government's Home Affordable Refinance Program (HARP) is a program designed to help North Dakota 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.

North Dakota HARP Loan Requirements

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

Do refinance fees for HARP Loans in North Dakota apply?

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

North Dakota HARP Lenders

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