About the program

A lower monthly payment could be in your future

Don’t let being underwater on your mortgage keep you down.* With the government’s Home Affordable Refinance Program (HARP), you can join millions across the country who have already refinanced into a more affordable mortgage by refinancing at today’s low rates.

* Interest on the portion of the loan that exceeds the value of the home may not be tax deductible. Changes in the federal tax laws in 2017 added additional restrictions on the deductibility of mortgage interest. Consult your tax advisor regarding the deductibility of interest and charges.

Program eligibility

You may qualify for HARP refinancing if your current mortgage is backed by Fannie Mae or Freddie Mac and was sold to them on or before May 31, 2009. To find out more about the program, including eligibility criteria, visit makinghomeaffordable.gov

Great for many reasons

  • No minimum credit score
  • Appraisal may not be needed
  • No cash to close option
  • Primary, secondary and investment properties eligible
  • Sign closing paperwork at home