HARP 2.0

harp 2.0

Making Home Affordable Refinance Program

Are you a homeowner who is underwater on your current mortgage? You are not alone, and now there is help available.


  • I have an ARM (adjustable-rate mortgage).
  • My property’s value has fallen.
  • I applied for a refinance loan before but did not qualify.
  • I am not qualified for a loan modification.
  • The mortgage amount I owe is more than my home’s value.
  • I am having difficulty paying my mortgage.
  • I can no longer pay for my mortgage.

If you face any of these situations, then we can help you.

The Making Home Affordable Refinance Program or the HARP Phase II is a mortgage program that is backed by the US government. It allows borrowers who have Freddie Mac and Fannie Mae loans to apply for a refinance even when they have an ARM (adjustable-rate mortgage), can’t pay their mortgage, have been disqualified for a loan modification or refinance loan before, or owe more than the current value of their homes.

The goal of HARP Phase II is to make it easy for you to pay your mortgage by offering affordable monthly payments so you can remain in your home and not have to go through foreclosure.

The following are benefits that you can get from the HARP Phase II program:

  • Lower interest rate
  • Lower monthly payments
  • Shorter loan term
  • More stable loan

If these benefits sound good to you, then the Making Home Affordable Program could be the right choice for you.

Am I qualified for HARP?

You can qualify for HARP if the following criteria are met:

  • You are current on your mortgage, which means none of your payments were over 30 days late in the last six months and no more than one payment was late in the last 12 months.
  • Your mortgage is guaranteed or owned by Fannie Mae or Freddie Mac (we can help you figure that out).
  • Your mortgage originated (i.e. you got your loan) on or before May 31, 2009.
  • The current LTV or loan-to-value ratio is greater than 80% (we can help you figure this out as well).

Refinancing your home via the Making Home Affordable Program is a great choice if you want a fixed-rate mortgage, lower interest rate, shorter mortgage term or lower monthly payment.

Quick Qualification Form

About your Mortgage

Type of Property: *

Estimated Value of the Property: ($) *

Amount Owed on Mortgage: ($) *

Your Current Rate : (%) *

Is this a fixed or variable rate loan? *

How long have you had this loan? *

What is your current monthly payment? ($) *

Have you been late on your mortgage? ($) *

About Yourself

First Name : *

Last Name : *

SSN (Last 4 digits):

Your Email : *

Day Phone : *

Street : *

City : *

State: *

Zip : *