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HARP loans are a refinancing option specifically tailored to the needs of homeowners who have suffered substantial property devaluation. If you are a homeowner that purchased or refinanced their home before May 31st 2009 and you have experienced a significant drop in the value of your home or property, you may want to consider a HARP loan. When property values drop, many homeowners find themselves dealing with a mortgage payment that is higher than they can afford, or are unable to refinance for a lower rate because their loan to value ratio is too high (this is often referred to as an underwater mortgage). The good news is that you may qualify for a HARP loan even if your lender has turned you down for refinancing options before.

To see if you qualify, you must first make sure your loan is held by Fannie Mae or Freddie Mac.

See who holds your loan by looking it up here:

For more information about HARP loans, or your refinancing options, contact our office and we’ll explain everything you need to know in order to take advantage of today’s low market rates.