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Key Benefits of HARP

Qualify to refinance even if you’ve been denied in the past.

The U.S. government’s Home Affordable Refinance Program (HARP) is a great option for homeowners who have little or no equity, or owe more than their home is worth.

HARP’s easy qualification requirements and streamlined refinance process have made it possible for nearly 3.5 million Americans to take advantage of today’s low rates since the program began in 2009. Closing costs are often lower than you’d expect, and you may not even need an appraisal.

To see if you qualify, just answer a few questions online or call a Home Loan Expert at (888) 980-6716 before the program ends on Dec. 31, 2018.

HARP could help you save big on your monthly payments and meet your financial objectives.

Homeowners who refinance with HARP save an average of $189 per month on their payments, according to the Federal Housing Finance Agency.*

HARP Eligibility

If your loan meets these criteria, you could be eligible for HARP:

  • Your loan must be owned or backed by Fannie Mae or Freddie Mac
  • Your loan must have closed on or before May 31, 2009
  • You must have a good history of keeping up with your mortgage payments

Unsure if you’re eligible for HARP?

You could find out your eligibility in minutes. Just answer a few questions online or call a Home Loan Expert at (888) 980-6716.

Frequently Asked Questions

What exactly is HARP?

The Home Affordable Refinance Program (HARP) is a government program that helps homeowners who are unable to refinance due to a decline in their home’s value. This streamlined refinance program has helped millions take advantage of today’s low rates.

When does HARP end?

The last day to apply for a HARP refinance is December 31, 2018. Learn how to take advantage of HARP before it expires.

Am I eligible for HARP?

If your loan meets these criteria, you could be eligible for HARP:

  • Your loan must be owned or backed by Fannie Mae or Freddie Mac
  • Your loan must have closed on or before May 31, 2009
  • You must have a good history of keeping up with your mortgage payments

You can see if you meet these criteria and learn more about your eligibility by answering a few simple questions.

Can I still qualify if I’ve had a late payment?

Yes. You can still qualify for HARP even if you’ve had a late payment. Call (888) 980-6716 to talk to a Home Loan Expert, or answer a few quick questions to find out if you qualify.

What’s the minimum credit score for refinancing with HARP?

Homeowners with credit scores as low as 580 can refinance with HARP.

Is HARP the only way to refinance my mortgage?

HARP is just one of several options available to homeowners who want to refinance. It’s unique in that it’s the only refinance program that allows borrowers who have little to no equity in their homes to benefit from low interest rates.

Can I refinance my condo or investment property with HARP?

Yes. You can use a HARP loan to refinance your primary residence, including condos, a 1-unit second home or a 1- to 4-unit investment property.

Do I need an appraisal to refinance with HARP?

In many cases, you won’t need to get an appraisal, but the only way to know for sure is to talk with a Home Loan Expert. Call (888) 980-6716 to get in touch with a Home Loan Expert now.

How can I start refinancing with HARP?

The first step is to learn if your mortgage is owned or guaranteed by Freddie Mac or Fannie Mae. Tell us a little bit about you and your home, and we’ll look up your loan to see if you’re eligible. You can also call us at (888) 980-6716 to see what your options are.

My current servicer or mortgage lender can’t help me. Does this mean I don’t qualify for HARP?

Not at all! Your current servicer might have HARP requirements that prevent them from helping you. One of our Home Loan Experts can tell you if you’re eligible to refinance through HARP with Quicken Loans, or you can see if you’re eligible here.

If I refinance with HARP, and I have little or no equity, will I have to pay private mortgage insurance (PMI)?

If you’re paying PMI on your current mortgage and refinance to a HARP loan, you’ll still have to pay PMI. If you’re not paying PMI now, you won’t have to pay it with a HARP refinance.

If I’m current on my mortgage payments, can I refinance with HARP?

Yes! HARP was designed to help responsible homeowners who are current on their mortgages but have been unable to take advantage of lower interest rates because their homes have decreased in value.

Will refinancing lower my payments?

When you refinance to a lower interest rate and/or a longer term, it usually reduces your monthly payment. Use our amortization calculator to see what you could save.