HARP 2.0 Loans

HARP 2.0:
The Home Affordable Refinance Program (HARP) allows owners of underwater homes to refinance to today’s low interest rates. Refinancing is typically not possible for owners with little or negative equity. The key requirement for HARP eligibility is that the home loans must be owned by Fannie Mae or Freddie Mac.

The Federal Housing Finance Agency (FHFA) and Administration’s hopes for HARP is it will both stabilize the housing market and boost the overall economy by putting extra dollars in the pockets of consumers who are likely to spend them. The FHFA is conservator of Fannie Mae and Freddie Mac, and is the chief regulator of Fannie, Freddie, and the 14 housing-related GSEs and Federal Home Loan Banks.



  • Get rid of your high Fixed Rate or Adjustable Rate mortgage.
  • Lower your monthly payment and/or shorten your term — you take control.
  • Save on interest over the life of your loan when you refinance to a reduced term.
  • It's an easy application process — no appraisal is needed in most cases.
  • You'll pay no closing costs.
  • Start lowering your payment faster — our loans typically fund in 28 days or less.
  • No mortgage insurance is required on your new loan if none is in place

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