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HARP Loans

Home Affordable Refinance Program

You may be able to refinance your mortgage with a HARP loan even if you don't have a lot of equity in your home.
Check your HARP eligibility and discuss loan options. Request a free consultation

What's the Home Affordable Refinance Program?

Many refinance programs require a significant amount of home equity. HARP is a government program that allows eligible homeowners to refinance their mortgage even if they owe more than their home is worth. 

Who can benefit from HARP refinancing?

A HARP loan may be a good option for you if you don't qualify for other refinance programs and want to:

  • Reduce your mortgage payment, or
  • Lower your interest rate, or
  • Shorten the term of your current mortgage

Who's eligible for a HARP loan?

You may be eligible for the program if: 

  • You're current on your mortgage payments
  • You haven't already refinanced the same property under HARP
  • Your current mortgage is owned or guaranteed by Fannie Mae or Freddie Mac, and was originated before June 2009

Is your current loan from Wells Fargo Home Mortgage?

The HARP refinance process may be simpler for current mortgage customers, requiring less paperwork and documentation. Contact us to learn more about HARP and other refinance options.

If you are a service member on active duty, prior to seeking a refinance of your existing mortgage loan, please consult with your legal advisor regarding the loss of any benefits you are entitled to under the Servicemembers Civil Relief Act or applicable state law.