What is the HARP Loan Program?

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

HARP Loan Requirements

  1. Texas 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 Texas apply?

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

Texas HARP Lenders

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