Home Affordable Refinance Program (HARP©) 2.0

The Government has eased qualification requirements for HARP Refinancing

In an effort to assist borrowers who have had difficulty refinancing their home loan due to a decrease in home value, the Federal Housing Finance Agency (FHFA) has authorized Fannie Mae and Freddie Mac to expand the Home Affordable Refinance Program (HARP). Conventional (or conforming) Loans closed or sold to Fannie Mae or Freddie Mac prior to May 31, 2009 may be eligible, as long as the borrowers are current on their mortgages.

If you have little or no equity, or owe more than your home is worth, HARP helps homeowners that have had difficulty refinancing due to a decline in their home’s value - even if you’ve been denied in the past. With softer underwriting guidelines, HARP allows borrowers to refinance into more affordable mortgages without new or additional mortgage insurance, no LTV (Loan to Value) or CLTV (Combined Loan to Value) requirements, and in many cases no appraisal, making it easier for most borrowers to take advantage of our low interest rates. Use the Freddie Mac Loan Look-up Tool or the Fannie Mae Loan Look-up Tool to see if you qualify. Learn more about HARP.

HARP Frequently Asked Questions (FAQs).

Our Loan Officers are ready to help answer your questions on this recently revised program - HARP 2.0. We can help you determine if your property is eligible and how this program may benefit you. Call us today for more information at 800-875-7334.

Why you should choose Nutter for your HARP Loan

  • We offer some of the most competitive rates in America, including No Closing Cost Loan options - saving you money now, and in the future.

  • We won’t charge you extra or inflated fees as some other lenders do.

  • For over 65 years our motto has been, “If it’s not good for the customer, it’s not good for us.” We pride ourselves on having the best customer service in the industry – even after you close. That’s right, we don’t sell your loan!

  • With our simple online loan process, you’ll be able to close quickly and efficiently.

  • As an approved HARP Lender, we’ll make sure you understand all the details of what a HARP Loan has to offer and get the best mortgage deal for you.


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Contact Us (800) 875-7334