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Harp 2 Loans

The Home Affordable Refinance Program (HARP) allows you to get a new, more affordable mortgage even if you're underwater. Now in its second stage, HARP Phase II makes it possible for even more homeowners with Fannie Mae or Freddie Mac owned mortgages to refinance at historically low interest rates. Now homeowners who find themselves underwater; can refinance, no matter what their home is worth. Harp Phase II has also eliminated the need for a new property appraisal when a reliable Automated Valuation Model (AVM) is available.

If your mortgage is owned or guaranteed by Freddie Mac or Fannie Mae, a HARP II loan may be your opportunity to take advantage of some of the lowest interest rates ever. They may be right for you if:

  • You would like to refinance your current mortgage to get a lower-rate
  • Your mortgage is owned or guaranteed by Freddie Mac or Fannie Mae
  • You’re “underwater,” that is you owe more on your current mortgage than your house is worth

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