Lower My Payment with a HARP Refinance

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Find out now if you qualify for HARP

By now, you've probably heard about the Home Affordable Refinance Program (commonly known as HARP). But did you know you may be able to significantly lower your mortgage payment through this deferal program?

What is the ditech HARP program?

HARP stands for Home Affordable Refinance Program. HARP helps borrowers refinance into a more affordable mortgage. A HARP loan can include:

  • A lower fixed interest rate
  • A lower principal & interest payment
  • An option to lower your loan term and save interest
  • An option to roll your closing costs into your new loan
  • No minimum credit score
  • No new or added mortgage insurance
  • Switching an adjustable mortgage to a fixed rate mortgage

The U.S Department of the Treasury and the U.S. Department of housing & Urban Development oversee the HARP program. A home loan specialist can help start your HARP loan process.

Who is eligible for HARP?

To be eligible, your mortgage must meet certain basic qualifications.*

  • Your mortgage loan must be owned or guaranteed by Fannie Mae or Freddy Mac. Find out if your loan is owned by Fannie Mae or Freddie Mac.
  • You must be current on your mortgage payments (i.e., no 30-day+ late payment (a) once in the last 6 months or (b) more than once in the last 12 months).
  • The home securing the loan is (a) your primary residence, (b) a 1-unit second home, or (c) a 1- to 4-unit investment property.
  • Your loan was originated on or before May 31, 2009. Your current loan-to-value (LTV) ratio must be greater than 80%. What is loan-to-value and how do I calculate it?

Find a home loan specialist

A Home Loan Specialist can answer your questions and help you to close on time.

Find A Specialist

Compare Your Refi Options

This comparison guide will give you the requirements and benefits of each refinance loan, plus much more!

Get The Free Guide

Why apply online with ditech?


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