Salary Based Mortgage Consultants Can Prequalify You
In 10 Minutes and Close In As Fast As 10 Days
A National Mortgage Banker
Questions?

HARP Loans - HARP Loan Program

Home Affordable Refinance Program (HARP)

If your mortgage balance is greater than your home's current value, a HARP loan program may be right for you.

If you're not behind on your mortgage payments but have been unable to get traditional refinancing because the value of your home has declined, you may be eligible to refinance through the Home Affordable Refinance Program (HARP). HARP is designed to help you get a new, more affordable, more stable mortgage.

Requirements

  • The mortgage must be owned or guaranteed by Freddie Mac or Fannie Mae.
  • The mortgage must have been sold to Fannie Mae or Freddie Mac on or before May 31, 2009.
  • The mortgage cannot have been refinanced under HARP previously unless it is a Fannie Mae loan that was refinanced under HARP from March-May, 2009.
  • The current loan-to-value (LTV) ratio must be greater than 80%.
  • The borrower must be current on the mortgage at the time of the refinance, with a good payment history in the past 12 months.
  • New appraisals may not be needed to qualify.

Contact American Financing at (866)-750-6551 or complete the online application and let our expert team guide you through the loan process.

Prequalify In 10 Minutes & Save

First Name is required
Last Name is required
Phone Number is required
By submitting this form, I am providing express consent for American Financing to call me, including through the use of an automated dialer, at the number above, even if my telephone number is listed on any Do-Not-Call list. You do not have to agree to receive such calls or messages as a condition of getting any services from American Financing.