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Home Affordable Refinance Program (HARP)

The Home Affordable Refinance Program, or HARP, was set up by the Federal Housing Finance Agency in 2009 to provide assistance for underwater and near-underwater homeowners to refinance their mortgages into a fixed loan with lower monthly payments. This program is targeted for homeowner’s current on their monthly mortgage payments but unable to refinance their home due to dropped home prices in the current situation of the U. S. housing market.

HARP Qualifications:

The easiest way to find out if you qualify is to call the mortgage refinance consultants at Providence Home Lending and let us do the research for you. Some of the things necessary to qualify include:

  • Fannie Mae or Freddie Mac must be holding your loan
  • You must have closed your loan on or before May 31, 2009
  • Your current loan is for less than $417,000
  • Your loan is for greater than 80% of your home value
  • You’re current on home loan payments
  • You have not made a late payment within the past 6 months
  • You have not made more than one late payment in the past 12 months

Find out if you are qualified for HARP Refinancing:

Fill out the form below or call 262.255.2000 or 608.227.2000. 

***Your mortgage must be owned by Fannie Mae or Freddie Mac, and it must have been sold to one of them prior to June 1, 2009. You can determine whether your mortgage is owned by Fannie Mae or Freddie Mac by checking the following websites:

  • Fannie Mae: http://www.freddiemac.com/mymortgage 1-800-7FANNIE (8AM to 8PM ET)
  • Freddie Mac: http://www.fanniemae.com/loanlookup 1-800-FREDDIE (8AM to 8PM ET)
Contact Providence Home Lending today for more information about how we can help you buy a home, refinance a home, and more in Milwaukee, Madison and throughout Wisconsin.
Are you qualified for HARP Refinancing?
Please Answer A Few Questions For Us

1. Did you find your home on the Fannie Mae or Freddie Mac online lookup tool?

2. Did you purchase or refinance your home prior to June 1, 2009?

3. Does your current loan have Mortgage Insurance?

4. Not Sure Does your current loan have LPMI (Lender Paid Mortgage Insurance)?

5. Do you currently have a 2nd mortgage or Home Equity Line?

6. Have you had a late payment (over 30 days late) on your mortgage in the last 6 months?

If NO, have you had more than one late payment on your mortgage in the last 12 months?

Property Address

Please enter property address exactly as it appears on your mortgage statement:

Contact Information