HARP helped millions of people lower their monthly payment and interest rate.

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What is the HARP?

Introduced in March 2009, HARP enables borrowers with little or no equity to refinance into more affordable mortgages without new or additional mortgage insurance.

Through HARP, you can get a lower interest rate (which means less out-of-pocket costs each month), get a shorter loan term, or change from an adjustable to fixed-rate mortgage. There’s no minimum credit score needed, either.
Check Your HARP Refinance Eligibility Now!
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HARP Icon How can HARP help me?

HARP refinancing can mean significant savings by:
  • Lowering your monthly payment
  • Reducing your interest rate
  • Securing a fixed-rate mortgage that won’t change over time
  • Building equity faster—shorter term options may be available
  • Lower closing costs because an appraisal is not usually required
HARP People
Looking for HARP approved lender?
Find HARP-approved lenders in your state.
START HERE

HARP Icon HARP program includes

No underwater limits
Borrowers will now be able to refinance regardless of how far their homes have fallen in value. Previous loan-to-value limits were set at 125 percent.

No appraisals or underwriting
Most homeowners will not have to get an appraisal or have their loan underwritten, making their refinance process smoother and faster.

Modified fees
Certain risk-based fees for borrowers who refinance into shorter-term loans have been reduced.

Less paperwork
Lenders now need less for income verification, and have the option of qualifying a borrower by documenting that the borrower has at least 12 months of mortgage payments in reserve.

HARP Icon Why Homeowners choose HARP ?

Lower Monthly Payment
By refnancing to a mortgage with a lower interest rate, you could pay less each month and over the life of the loan.
Lower Interest Rate
Today’s market rates are more than 30% lower than in 2008
Shorter Loan Term
By switching from a 30-year to a 15-year loan, you’ll build equity

How to check my HARP eligibility?

Use online tool to Check your HARP refinance eligibility
CHECK YOUR ELIGIBLITY
- Or -
Find and contact HARP-approved lenders in your State
START YOUR SEARCH HERE
Even if you applied for HARP refinancing before and were declined, look into it again. With expanded requirements, more people are now eligible.

How to get Started?

If you qualify to refinance your mortgage through HARP, you’ll go through an application, approval and closing process (similar to when you got your original mortgage). A HARP lender will work with you through every step, and will help determine if HARP meets your specific needs. Outlined below are the steps to get started.

Check your HARP eligibility.
Verify if you are eligible for HARP refinance, using HARP verification tool online.
Gather your financial information.
Make sure you have your basic financial and loan information on hand when you call your mortgage company. You’ll need:
a. Your mortgage statements, including information on a second mortgage (if applicable).
b. Your income details (paystub or income tax return).
Contact a HARP lender.
Find a list of approved HARP lenders at one of these pages. Tell them you are interested in refinancing, and you want to see if you qualify for.
Go through the application, approval and closing process.
If your lender determines that you do qualify for HARP, they will guide you through the application, approval and closing process.
HARP People
Looking for HARP approved lender?
Find HARP-approved lenders in your state.
FIND APPROVED LENDERS
HARP People
Are you Eligible?
VERIFY ELIGIBILITY
More than 3 million have refinanced through HARP thousands more are eligible
START NOW
Average savings for NJ Homeowners Who have Refinanced with HARP:
$2,786*per year

Choose your state and get started today !

FIND OUT YOUR HARP ELIGIBILITY IN 30 SECONDS