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   Confirm Eligibility
Street Address
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Property Type
What is your Current Loan Balance: *
What is your Current Interest Rate: *
Is your loan Fannie or Freddie backed?
Was loan closed before June1, 2009?
Is mortgage current for the last 6 months?
Do you have mortgage Insurance?
Who is your current bank or Servicer? *
What is your current credit rating?
Do you have a second mortgage?
First & Last Name *
Phone # and Best Time to Contact: *
Email: *

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Harp America offers HARP loans for both Fannie and Freddie to 175% Loan-To-Value and will transfer most Mortgage Insurance certificates. No matter how under water you are, you can still apply. HARP 2.0 gives homeowners the ability to refinance at today's low mortgage rates without concern for private mortgage insurance, exorbitant closing costs and fees, and not even requiring an appraisal in most cases. If you have been turned down before for this program, you will certainly want to re-apply. Follow these three simple steps to see if you are eligible.

Am I eligible under the new HARP program?

In order to be eligible for HARP 2.0 refinance program:

1. Your loan must be backed by Fannue mae or Freddie Mac.
2. Your mortgage must be paid on-time for the previous six months.
3. Your current mortgage must have a "closed date" prior to June1, 2009

If you meet this criteria, you may be HARP-eligible.

Verify my loan in Fannie or Freddie-backed.

Check mortgage "lookup" forms on Fannie Mae and Freddie mac websites. Check Fannie Mae first as Fannie Mae's market share is larger. If no match is found, then check Freddie Mac. These web forms are not always accurate as the address would have to be exactly the same as was recorded with Fannie or Freddie. We can help confirm your eligibility.

My loan is eligible. Now what?

Just confirm your eligibility and get a rate quote. Complete the Eligibility and Rate Quote Form and we will contact you within the next 24 hours.

Last Updated : 02/01/2014 12:00 PM

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HARP America.com is not a government website and is not endorsed or affiliated with HUD or the Department of the Treasury.
Your Privacy is strictly protect under "Privacy Act of 1974". By clicking "SUBMIT or CHECK ELIGIBILITY", you agree to share your information with (HarpAmerica.us) Client Services as an approved lender with Fannie Mae & Freddie Mac to confirm your eligibility. You also agree to be contacted by telephone and email, even if your telephone number is currently listed on any state, federal or corporate Do Not Call list. Your loan must be eligible to be considered and this is not an offer to lend.
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