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HARP Refi Loans

 HARP: Making Homes Affordable Program

Have you been unable to refinance your home at today's lower rates due to your current home value - even though you've always paid your mortgage on time?

You may be eligible for a new HARP (Home Affordable Refinance Program) loan from Guaranteed. This unique government-sponsored program may allow you to refinance even if you owe more than your home is worth. With HARP, you may not need to show as much documentation, and the approval time is faster.  It is available with fixed-rate or adjustable rate mortgages.

   Am I eligible?

  • As of June 1, 2009, your loan must be held by Fannie Mae (FNMA) or Freddie Mac (FHLMC)
  • A quick call to your Guaranteed loan specialist can help you determine this

HARP benefits may include:

  • Refinance up to 125% loan-to-value ratio. For instance, if your home is now worth $100,000 and your current mortgage exceeds that amount, under this program you may be able to refinance up to $125,000.
  • No appraisal required on some single-family homes
  • 660 minimum credit score on single-family first homes
  • Minimal employment, income and asset verification

Find out more about the relaxed qualifying requirements available - and your eligibility -  via a new HARP loan. Call us at (888) 572-3602.

Programs, rates and terms subject to change without notice. Certain restrictions apply; not all applicants will qualify. Guaranteed is not acting on behalf of or at the direction of HUD/FHA or the federal government.

Guaranteed Home Mortgage Company, Inc- NMLS ID#:1615
108 Corporate Park Drive Ste. 301, White Plains, NY  10604
Toll Free:  (914) 339-6000
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