HARP Refinance Program

Section One
- What is the HARP Program?

Quick Overview of the benefits of the HARP Program.


Section Two - Which Borrowers may be eligible for HARP?

How to Search to see who owns your mortgage. 


Section Three Should I decrease the term of my mortgage?

How is it possible to buy a home with less than 20% down?


Section Four - Next Steps

The HARP Program does have an end date.

Does Fannie or Freddie Own Your Loan?

If your mortgage is owned by Fannie Mae or Freddie Mac, you may be eligible for a Home Affordable Refinance and take advantage of lower interest rates.

You can find out if Fannie Mae or Freddie Mac owns your loan directly by clicking on the links below.


1-800-7FANNIE (8am to 8pm EST)

1-800-FREDDIE (8am to 8pm EST)

If the new loan is secured by your primary residence and the unpaid principal balance exceeds the property’s fair market value, the interest on the portion of the unpaid principal balance that is greater than the fair market value of your primary residence is not deductible for federal income tax purposes. You should consult a tax advisor for further information regarding the deductibility of interest and charges.