(877) 435-2478

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Act Now!

President Obama's Helping Families Save Their Homes, Home Affordable Refinance Program is set to expire June 30, 2012.

UPDATE, The Obama Administration has extended the program to December 31, 2013.


The Obama Administration’s Home Affordable Refinance Program specialists are available coast to coast.

Qualify Now!

About President Obama’s HARP

  • May 20th, 2009
    President Obama signed the Helping Families Save Their Homes Act: "The Helping Families Save Their Home Act advance the goals of our existing housing plan by providing assistance to responsible homeowners and preventing avoidable foreclosures."

    This bill is about, "getting folks into sustainable and affordable mortgage, and more importantly, keeping them in their homes. and it expands the reach of our existing housing plan for homeowners".

    - President Barack Obama

    > Read More

HARP at a glance

  • Step One
    Call us at (877) 435-2478 to verify eligibility and to determine if your mortgage is owned by Fannie Mae or Freddie Mac.

  • Step Two
    The preferred lender will require borrowers’ credit report to verify financial information and an appraisal of the home may be required. The lender will notify you of your eligibility typically within 24 hours of your formal application.

  • Step Three
    Final Home Affordable Refinance Program application approval may take up to 10 buisness days from receipt of your signed application. Once a decision has been reached, you’ll receive a letter informing you of your eligibility. If approved, you will receive a call to schedule the closing of the loan.

  • Step Four
    The closing process will be completed by a notary/attorney typically in the comfort of your own home or other location of your choice. You will sign the closing documents and be required to pay the closing costs at this time, unless some or all of your closing costs can be financed into the loan amount.

Do I qualify for Obama's HARP?

  • Question 1
    Do you have a mortgage owned or guaranteed by Fannie Mae or Freddie Mac?

  • Question 2
    If owned by Fannie Mae did you close on your mortgage before March 1, 2009 or if owned by Freddie Mac did you close on your mortgage before June 1, 2009?

  • Question 3
    Is this your primary residence?

  • Question 4
    Are you current on your mortgage payments (current means you have not been more than 29 days late on your mortgage payment in the last 12 months)?

  • Question 5
    Do you have income to support the new payment?

  • Do I Qualify?
    If you answered yes to all 5 questions, you likely qualify for the Obama Administrations’ Making Home Affordable Program known as HARP.

    If you are unsure of any responses please call us to research eligibility.

Helpful Resources