Welcome to our HARP 2.0 Frequently Asked Questions Page.  Below are questions and links to the answer.  Some questions have the answer right under it.  If you can’t find you question below, please contact us and we’ll be happy to assist you!


What does HARP stand for?
What does HARP do?
Can anyone do a HARP refinance?
How do I know if Fannie Mae or Freddie Mac owns my loan?
What other qualifications do I need to be eligible for the HARP mortgage program?
Am I immediately eligible if I’ve been current on my payments, I acquired my loan before the cut-off date and it’s Fannie or Freddie?
I make my payments to Bank of America. Does that mean I’m not eligible for HARP?
I can’t find my loan against the Fannie Mae and Freddie Mac databases. Am I not eligible?
I refinanced my loan with the HARP 1 Program. Am I eligible for HARP 2 or Harp 3?
I’m way underwater on my home. Am I still eligible for the HARP program?
Are there special HARP program mortgage rates?
I am extremely far underwater on my mortgage. Can I Still Use HARP 2?
I heard that I don’t need an appraisal to get a HARP Refi. Is this true?
If I refinance with HARP 2, will I have to pay mortgage insurance even if I did a 20% down payment when I purchased and I am now underwater.
Is the HARP Program the same thing as an FHA Streamline Refinance program?
Will the HARP 2.0 mortgage program work if I currently have a FHA Insured Loan?
Do I have to apply for the HARP 2.0 or 3.0 refinance with my current mortgage lender?
Can I use any mortgage lender for my HARP refinance?
Do I have to use my current financial institution for my HARP 2 Refinance loan?
I heard that I can get cash back on refinancing my home. Are there cash-out refinances with HARP?
Does HARP extend to second homes and vacation homes refinances?
Are condominiums and town homes or any other attached housing eligible for HARP refinancing?
I have more than one loan on my house, can I still use HARP 2.0?
I’ve heard of the HAMP program. Is HARP the same thing as HAMP?
Is there a minimum credit score to use the HARP program?
Where can I get the lowest rates on HARP loans?
Does the HARP program incur any costs to refinance?
How Long Should I lock my Mortgage with the HARP Program?
When Will the HARP Program End.
What are the next steps to apply for the HARP program?
HARP 2.0 refinance