Home Affordable Refinance Program - H.A.R.P.

Fisher Mortgage and First Trust Mortgage have numerous lender outlets for the various HARP programs.  These include but are not limited to Fannie Mae's DU Refi Plus loan and Freddie Mac's Open Access loan.

If you're not behind on your mortgage payments but have been unable to get traditional refinancing because the value of your home has declined, you may be eligible to refinance through Making Home Affordable's Home Affordable Refinance Program (HARP). HARP is designed to help you get a new, more affordable, more stable mortgage. HARP refinance loans require a loan application and underwriting process, and refinance fees will apply.

You may be eligible for HARP if you meet all of the following criteria:

  • 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.

As with any loan product, rates and guidelines will vary from one lender to the next. Please contact us to find your best interest rate and discuss your HARP options.


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