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Loan Options / Special Programs

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Home Affordable Refinance Program (HARP)

If you're not behind on your mortgage payments but have been unable to get traditional refinancing because the value of your home has declined, you may be eligible to refinance through the Home Affordable Refinance Program (HARP). HARP refinance loans are designed to help you get a new, more affordable, more stable mortgage, and are even eligible for Neighborhood Lender's No-Closing Cost loan program.


You may be eligible for HARP if you meet all of the following criteria:

  • The mortgage must not have been sold to Freddie Mac or Fannie Mae previously.
  • The mortgage must have been closed by May 31, 2009.
  • The mortgage cannot have been refinanced under HARP previously
  • Confirm your eligibility with Loan Lookup Tools from Fannie Mae or Freddie Mac.
  • The borrower must be current on the mortgage at the time of the refinance, with a good payment history in the past 12 months.


  • No appraisal needed
  • Qualify for historically low rates even if you owe more than the home is worth
  • Relaxed underwriting guidelines
  • Streamlined underwriting process
  • Can use HARP on primary, vacation, and investment property loans

Be Prepared

See our step-by-step guide, and loan checklist to help you through the process.