How do I get a HARP refinance?

A HARP refinance is available for Fannie Mae and Freddie Mac loans.  For borrowers who owe more than their house is worth, the HARP refinance might be a way to lower monthly payments regardless of the value of the home.
 
Steps to a HARP refinance include:

1. Find out if your loan is owned my Fannie Mae or Freddie Mac via the Fannie Mae / Freddie Mac loan lookup tool.
2. Contact your servicer to see if they participate in the HARP program and can help with a refinance.
3. Shop around and compare rates with other servicers.
4. Visit website or call Fannie Mae and/or Freddie Mac.
5. Visit FannieMae.com or call (800)7Fannie.
6. Visit FreddieMac.com or call (800)Freddie.

 
Effective date of program is from March 2009 through 2016.

If you need help with a HARP refinance, please contact us for additional information.