Home Affordable Refinance Program (HARP)

Who Qualifies?

Eligibility criteria vary somewhat depending on the loan you wish to qualify for, but the basic requirements are as follows:

  • 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.


How Can You Benefit from HARP?

  • Reduce your monthly mortgage payments
  • Reduce the interest rate on your mortgage loan
  • Move into a more stable loan product (e.g., move from an adjustable rate to a fixed rate)


To determine if you qualify for HARP and your potential savings, just complete the brief form to the right or call Jody at (702) 769-1791  to determine your eligibility for HARP refinancing. There is no cost to apply, and you are under no obligation.