Contact your mortgage company

Ask if they are an approved HARP lender. Since you are a current customer, your lender already has your loan file. However, they will need you to provide the information necessary to verify your current source of your income.


Contact a HARP lender.

Find a list of approved HARP lenders at one of these pages. Tell them you are interested in refinancing, and you want to see if you qualify for HARP.

Fannie Mae

Freddie Mac

Did someone say "NO?"

If a lender says you are not eligible for HARP, ask for specific reasons why.  If you have good reason to believe you are eligible, ask to speak to the HARP specialist, or consider talking with a different lender.  It never hurts to get a second opinion.

If after contacting your mortgage company, HARP lender and either Fannie Mae or Freddie Mac you still have questions,
contact FHFA

Federal Housing Finance Agency (FHFA)
400 7th Street, SW
Washington, DC 20219
Telephone: 202.649.3811
Fax: 202.649.1071
Web: Homeowner Assistance Form

Please note that all mail sent to the FHFA via the USPS is routed through a national irradiation facility, a process that may delay delivery by approximately two weeks. For any time-sensitive correspondence, please plan accordingly.


(please note: Electronic inquiries will be responded to in order they are received)

For consumer complaints and questions:
Phone: 202.649.3811
Web: Consumer Communications

For general inquiries contact:

All Congressional Affairs inquiries contact:
FHFA Office of Congressional Affairs and Communications
Phone: 202.649.3802

All media inquiries contact:
FHFA Office of Congressional Affairs and Communications
Phone: 202.649.3030 (Stefanie Johnson) or 202.649.3032 (Corinne Russell)
Email: or

To report technical or content problems including accessibility problems:
contact FHFA Webmaster or 202.649.3031

To report evidence of waste, fraud, or abuse: See Office of Inspector General (webpage) for detailed information

To make a Freedom of Information Act (FOIA) request:
Information on how to file a FOIA request is located in FHFA's FOIA Reference Guide.

Freedom of Information Act (FOIA) contacts:
David A. Lee, Chief FOIA Officer, 202.649.3803
Stacy J. Easter, FOIA Officer, 202.649.3803
Stacy J. Easter, FOIA Public Liaison, 202.649.3803
Stephen E. Hart, FOIA Appeals Officer, 202.649.3803

FOIA Requester Service Center:
Phone: 202.649.3803
Fax: 202.649.1073

Privacy Act (PA) contacts:
David A. Lee, Chief Privacy Officer, 202.649.3803
Stacy J. Easter, Privacy Act Official, 202.649.3803
Stephen E. Hart, Privacy Act Appeals Officer, 202.649.3803

To make a Privacy Act request:
Please review and follow instructions on Privacy Policy page on

Janell Byrd-Chichester (Interim)
Web: Ombudsman Complaint Form
Phone: 888.665.1474
Fax 888.370.0869

Inspector General
Laura S. Wertheimer, Inspector General

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