30-year fixed HARP

refinance regardless of your loan-to-value ratio

21 Day Guarantee

We'll close your new purchase in 21 days or less or your first payment is on us*

the perfect loan for

homeowners in a sticky situation

When the housing bubble burst and home prices fell, millions of homeowners were stuck owing more than their homes were worth. HARP, or the Home Affordable Refinance Program, was created to change that. This program helps underwater homeowners refinance and gain access to today’s lower interest rates and is available until December 31st, 2018.

Opting for the 30-year fixed-rate version can give you a lower monthly payment that will never change—and hopefully saves you some cash in the process.

Happy Couple

Stop paying more than you have to.


  • High LTV ratios accepted
  • Potential for a lower interest rate
  • Potential for a lower monthly payment
  • Your payment stays the same for the life of the loan
  • Credit scores as low as 620 accepted


  • You must be current on your mortgage
  • All payments in the last 6 months must have been on time
  • No more than 1 late payment in the last 7-12 months
  • Your loan must be currently held by Fannie Mae or Freddie Mac
  • Your loan must have been sold to Fannie Mae or Freddie Mac on or before May 31st, 2009

*Terms and conditions apply.

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