Home Affordable Refinance Program (HARP) 2.0

The Government has eased requirements for qualification with Federally-backed HARP Refinancing

In an effort to entice current Fannie Mae and Freddie Mac borrowers to refinance, both agencies have adopted the Home Affordable Refinance Program (HARP), which was established by the Federal Government. Conventional (or conforming) Loans closed and sold to Fannie Mae or Freddie Mac prior to May 31, 2009, are eligible in most cases, as long as the borrower has been making their payments on time.

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, 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. These sites are available to see if you qualify. Go to Freddie Mac or Fannie Mae and check in the Home Affordable Refinance Program for a “property lookup”.

HARP Information from Fannie Mae and Freddie Mac about Expanded Opportunities to Refinance your Mortgage (Download)

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.

More information available on the HARP Website - Department of Treasury

Why you should choose Nutter for your HARP Loan

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

  • We won’t charge you all the extra fees other lenders do.

  • For over 65 years our motto has been, “If it isn’t good for the customer, it isn’t good for us.” We pride ourselves on having the best customer service in the industry – even after you close.

  • With our simple online loan process, you’ll 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 for you.


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Contact Us (800) 875-7334