If you are current on your mortgage and have been unable to obtain a traditional refinance because the value of your home has declined, you may be eligible to refinance through HARP. HARP is designed to help you refinance into a new affordable, more stable mortgage. The HARP loan is a new loan and will require a loan application and underwriting process. Loan refinance fees will apply.

Do I Qualify?

To apply for HARP, applicants must first meet 4 basic criteria:

  1. The exist­ing mort­gage must be guar­an­teed by Fan­nie Mae or by Fred­die Mac
  2. The exist­ing mort­gage must have been secu­ri­tized by Fan­nie Mae or Fred­die Mac prior to June 1, 2009
  3. The mort­gage pay­ment his­tory must be per­fect going back 6 months
  4. The mort­gage pay­ment his­tory may not include more than one 30-day late pay­ment going back 12 months

*Eligibility criteria are for guidance only. Contact us to see if you qualify for HARP.

Mike Metz discusses current rates, closing costs, and documentation.

Additional Information

Freddie Mac Challenges for Higher Loan To Value Properties

This page is dedicated to HARP 2.0 borrowers who have a Freddie Mac high loan to value loan (above 125% loan to value). Unfortunately, as you may have experienced, there have been challenges in the process for refinancing a Freddie Mac higher “loan to value” loan.  Many lenders have elected to not participate in the [...]

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Freddie Releasing HARP 3.0 Automated Underwriter – Expects Increased Approvals

2012-04-17 — mortgagedaily.com Freddie Mac has fined tuned its automated underwriting process for the Home Affordable Refinance Program in a move that is expected to generate approvals for borrowers who were previously denied for the program. HARP production exceeded 180,000 transactions during the first quarter, nearly doubling from the fourth quarter. But few deeply underwater [...]

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Monday (3/19) on KPHO CBS 5 at 6:20am, Mike Metz will be on the air

On Monday March 19th, the launch day for HARP 2.0, Mike Metz will be featured on CBS 5 at 6:20 am. Make sure to tune in to get the latest on HARP 2.0!

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Wednesday March 14th at 8:15 on KTVK 3 TV Mike will be on the air

Mike Metz will be featured on 3 tv Wednesday March 14th! Make sure to tune in to hear the latest on HARP 2.0

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Sunday 2/19, Mike Metz will be on 92.3 KTAR talking on HARP 2.0

Mike Metz will be featured on 92.3 KTAR’s “Smart Investors” radio show this Sundayt (2/19) from 9 am – 10 am. He will be discussing the most up to date information on HARP 2.0. Be sure to tune!

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  • Quick Contact

    If you have questions or would like more information about the HARP program please use submit the form below.

    One of the key factors to qualifying for HARP 2.0 is your loan being owned by Fannie Mae or Freddie Mac. If you're not sure, you can find out right here!