Attention Home Owners!

H.A.R.P.  2.0

Home Affordable Refinance Program

If you have a Fannie Mae or Freddie Mac Loan that closed before 6/1/2009, this program may be your ticket to lower monthly payments and a lower monthly interest rate.

  • LTVs up to 125% on primary residences
  • Loans with no PMI currently do not need new PMI
  • Loans with PMI may see a reduction in PMI Amount
  • Most loans close within 30 Days without Appraisal
  • 30 Year Fixed Rates in Low to Mid 4's based on FICO Scores

How to get started

Go to, to find out if you have a Fannie Mae or Freddie Mac loan.  Select the GET ANSWERS Tab, and select the Find out who owns my mortgage link to access both the Fannie Mae and Freddie Mac lookup tools.

If your loan is a Fannie or Freddie Loan you can fill out a quick online application by clicking the H.A.R.P 2.0 link, and putting "HARP FANNIE" or "HARP FREDDIE" under type of loan requested.

We will then have a mortgage officer contact you within 24 - 48 hours.