Welcome to Harp Refinance

The HARP Refinance mortgage program is a government refinance program designed to help millions of home owners who are underwater on their mortgage refinance into today's low mortgage rates. The program has recently loosened guidelines so that most families can qualify.

HARP, which stands for Home Affordable Refinance Program, is specifically for home owners who have mortgages backed by Fannie Mae or Freddie Mac. We can help you determine if your mortgage is backed by one of these two agencies, or you can use the Fannie Mae or Freddie Mac Loan Lookup tools.

If your mortgage is backed by Fannie Mae or Freddie Mac, you likely qualify for a HARP Refinance. It doesn't matter how far underwater you are, there is no limit with this program and in most cases, no appraisal required.

The HARP loan program also does not require income documentation, however you must be employed currently. There is also no minimum credit score, but you must be on time with your mortgage payments currently.

Who Can We Help?

We can help nearly any home owner who currently has a mortgage backed by Fannie Mae or Freddie Mac. You must be current on your payments and your loan must have closed prior to June 1, 2009. Even if you have mortgage insurance and are underwater on your mortgage compared to your home value, we can help you with the HARP program.

Fannie Mae DU Refi Plus

The Fannie Mae version of HARP is called the Fannie Mae DU Refi Plus loan. The name comes from the computer-generated automated underwriting system that is used to determine eligibility for the program, called Desktop Underwriter, or DU for short. If you are not sure if your mortgage is backed by Fannie Mae, you can use our handy Fannie Mae Loan Lookup Tool to find out.

Freddie Mac Open Access

The Freddie Mac Open Access loan is the Freddie Mac of HARP. It is named Open Access because it is designed to enable more home owners to refinance their Freddie Mac loan than under traditional guidelines. Please use our Freddie Mac Loan Lookup Tool to find out if your loan is backed by Freddie Mac.

Do you qualify for HARP?

If you are wondering if you will qualify for the program, you can fill out our fast, no obligation pre-approval form to find out. In minutes, you will find out if you are eligible for a HARP loan. The wizard will ask you the key questions that are necessary to determine eligibility.

HARP FAQs

We have an extensive Harp Refinance FAQ section to help get your questions answered. Learn more about the program and find out more about common questions that we hear every day.

Why Choose HARP Refinance?

We have been in business for over 12 years, helping families with both refinance and home purchase loans. Backed by the Colorado office of First Cal Mortgage, HARP Refinance is a team of professionals dedicated to helping you refinance into a better financial position.

We specialize in helping families with HARP loans to lower their rate and payment. You can finally get some breathing room to get caught up on other bills, pay more toward principal to get your loan balance down faster, or take a much needed vacation.

Simply fill out our quick quote form for a no obligation consultation and in a matter of minutes, we can help you determine if you qualify for the program and how much you can save!

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