Making Home Affordable - Home Affordable Refinance

YES, YOU MAY QUALIFY FOR A HOME AFFORDABLE REFINANCE

Based on your answers to the eligibility questions, you may qualify for a Home Affordable Refinance.

You may be eligible for HARP if you:

Own a one- to four-unit home that is your primary residence;
Have a mortgage owned or guaranteed by Fannie Mae or Freddie Mac
Are current on your mortgage payments and have not been more than 30 days late making a payment within the past 12 months
Have a first mortgage not exceeding 125 percent of the current market value of your home;
Have income sufficient to support the new mortgage payments; and
Can improve the long-term affordability or stability of your loan with the refinance.

To find out if you have a mortgage held by Fannie Mae or Freddie Mac:

Fannie Mae: FannieMae.com/loanlookup or call 1-800-7FANNIE (Monday - Friday, 8 a.m. to 8 p.m. ET)
Freddie Mac: FreddieMac.com/mymortgage or call 1-800-FREDDIE (Monday - Friday, 8 a.m. to 8 p.m. ET)

Download a Brochure
Download a one-page brochure about HARP.

If you have additional questions about the program, please call the Homeowner’s HOPE™ Hotline at 1-888-995-HOPE (4673). If you need help working with your mortgage company, or believe that you have been wrongfully denied, please call the hotline and ask for “MHA Help”.