HARP Loans

The government's Home Affordable Refinance Program (HARP) has expanded to allow more homeowners to refinance if you:

  • Currently owe more on your mortgage than your home’s current market value
  • Have private mortgage insurance
  • Have a Fannie Mae insured loan Have wanted to refinance but were told you didn't qualify

This government program offers a low-cost refinance for homeowners in areas where prices have fallen and who meet credit history requirements. This program:

  • Allows refinances of up to 95% loan-to-value
  • Includes borrowers who currently have Private Mortgage insurance
  • Gives you the opportunity to lock into the security of a fixed-rate mortgage
  • Helps borrowers who have a good repayment history, but who have not been eligible for refinance due to falling home values

Learn about HARP Loans in Your State

Alabama Illinois Montana Pennsylvania
Alaska Indiana Nebraska Rhode Island
Arizona Iowa Nevada South Carolina
Arkansas Kansas New Hampshire South Dakota
California Kentucky New Jersey Tennessee
Colorado Louisiana New Mexico Texas
Connecticut Maine New York Vermont
Delaware Maryland North Carolina Virginia
DC Massachusetts North Dakota Washington
Florida Michigan Ohio West Virginia
Georgia Minnesota Oklahoma Wisconsin
Hawaii Mississippi Oregon Wyoming
Idaho      

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