Harp Refinance Loans

HARP, the Home Affordable Refinance Program, was created by the Federal Housing Finance Agency specifically to help homeowners who are current on their mortgage payments, but who are underwater or near-underwater on their mortgages. This applies to those who owe almost as much or more than the current value of their homes. Unlike the Home Affordable Modification Program, which assists homeowners who are in danger of foreclosure, this program benefits homeowners whose mortgage payments are current, but who cannot refinance due to dropping home prices in the wake of the U.S. housing market correction.

• Loosens requirements for traditional financing.
• Backed by the Federal Government.
• Refinance up to 200% of your home’s value.
• Refinance costs could be recuperated in just a few months.
• You’ll save money every month.
• Lower rates, which means lower monthly payments.

Solidifying a mortgage with Perennial Funding could save you thousands!

Harp Savings Analysis!

Our Assumptions

• Mortgage rates could fluctuate daily.
• Based on your situation, your payments may vary.
• See what products are available in your state.
• Certain jumbo products might not be available to you if you’re a first-time buyer.
• Some lending services might not be available in all areas. See what’s available to you.
• Some restrictions may apply.
• The lock period for your rate is 45 days.
• Perennial Funding offers a variety of options. You may still qualify for a loan even if your situation doesn’t match our assumptions. Consult us to find what’s available in your area, and what best solutions are for you.