HARP Program Requirements

Are you eligible for the HARP 2.0 Program?
Find the list of requirements here.

HARP Program Requirements
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Latest Harp Program Update

HARP Update 9/12/12

HARP Update 9/14/12: Fannie Mae and Freddie Mac recently loosened their HARP guidelines in order to allow even more people to qualify for the program. Formerly, borrowers needed to have their income(s) verified and needed to meet certain debt-to-income (DTI) ratios in order to qualify for HARP. Now, those DTI requirements have been waived in [...]

See all HARP Updates

HARP Program (Home Affordable Refinance Program)

Are you underwater on your home? Is negative equity keeping you from refinancing your mortgage loan? Total Mortgage may be able to help your refinance through HARP, a government program designed to help underwater homeowners save money by refinancing their mortgages.

HARP Program Rates

We are experts at HARP loans, and have helped thousands of borrowers refinance and save money on their monthly mortgage payments.

What is HARP

HARP is the Home Affordable Refinance Program. It was an initiative by the Obama Administration begun in 2009 to allow underwater homeowners to refinance their homes at today’s low mortgage rates. The program is currently available through June 30, 2012.