Homeowners can now utilize the government-sponsored HARP program to refinance their homes from high-interest rates, declined home values, and underwater mortgages regardless of the property's current value.
• The mortgage must be owned or guaranteed by Freddie Mac or Fannie Mae.
• The mortgage must have been sold to Fannie Mae or Freddie Mac on or before May 31, 2009.
• The mortgage cannot have been refinanced under HARP previously unless it is a Fannie Mae loan that was refinanced under HARP from March-May 2009.
• The current loan-to-value (LTV) ratio must be greater than 80%.
• The borrower must be current on the mortgage at the time of the refinance, with a good payment history in the past 12 months.
If Freddie Mac owns your loan, check your eligibility for HARP Click Here
If Fannie Mae owns your loan, check your eligibility for HARP Click Here
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