Determine Eligibility

See if you meet the requirements and are eligible for a HARP loan. Find out here


Find Available Rates

If you meet the eligibility requirements, find out what rate you can get now. Click here to find out.


Calculate Your Loan-to-Value Ratio (LTV)

Find out what your loan-to-value ratio is by providing estimated value of your home and current mortgage balance.  


Contact a HARP Lender

Click on the links below to find HARP-approved lenders in your state.

Freddie Mac
Fannie Mae

Protect Yourself from Scams

Protect yourself with these facts and tips

Scams are a growing problem that could cost you thousands of dollars — or even your home.
Remember that real help is free. There should be no fees in exchange for counseling services.
Scammers make promises that they can’t keep, such as guaranteeing to “save” your home or lower your mortgage, usually for a fee, often pretending that they have direct contact with your mortgage servicer — which they do not.

Tips to Avoid Scams:

  1. Beware of anyone who asks you to pay a fee in exchange for counseling services. Real help is free.
  2. Beware of people who pressure you to sign papers immediately or who try to convince you that they can “save” your home if you sign or transfer over the deed to your house.
  3. Do not sign over the deed to your property to any organization or individual unless you are working directly with your mortgage company to forgive your debt.
  4. Never make a mortgage payment to anyone other than your mortgage company without their approval.

    If you think you've been scammed, file a complaint today. 

Consumer Financial Protection Bureau
The mission of the Consumer Financial Protections Bureau (CFPB) is to make markets for consumer financial products and services work for Americans — whether applying for a mortgage, choosing among credit cards, or using any number of other consumer financial products.

Federal Trade Commission
The mission of the Federal Trade Commission is to prevent business practices that are anticompetitive or deceptive or unfair to consumers.

HARP Branding Guidelines
Home Affordable Refinance Program®, HARP®, FHFA®, NMDB® and the HARP logo are trademarks of the Federal Housing Finance Agency (FHFA) and are subject to all applicable laws governing the use of trademarks. FHFA requires that all third parties referring to our trademarks do so in a manner that does not imply a relationship with the Federal Housing Finance Agency.

Use of the HARP® logo is governed by federal law and requires adherence to these guidelines. The HARP logo may be used in educational, training, informational, non-promotional and non-commercial material when placed near text that describes the Home Affordable Refinance Program®. The HARP logo may not be altered in any way, other than to adjust the size, in which case the spatial dimensions of the logo must be maintained. Use of the HARP logo must include the following acknowledgement: “The HARP® logo is a registered trademark of the Federal Housing Finance Agency.” Use of the HARP logo must be done in a matter that does not imply a relationship with FHFA.