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HARP Programs

Available to borrowers with Credit Scores down to 620!

HARP is the Home Affordable Refinance Program. It began in 2009 and is intended to allow underwater homeowners who are current on their Freddie Mac- or Fannie Mae-owned mortgages to refinance their loans at today's low rates.


  • We can let you know within minutes if your mortgage is owned by Freddie Mac or Fannie Mae
  • Appraisal usually not needed
  • Unlimited loan to value for Freddie Mac and Fannie Mae mortgages