NMLS #645585
GA Residential Mortgage Licensee #32551

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Mortgage Fundamentals

Recent changes to the HARP loan:

The Home Affordable Refinance Program, also known as HARP, allows borrowers whose loans are owned by Fannie Mae or Freddie Mac refinance even if they are underwater. HARP has had several changes since inception. More borrowers now qualify.

Here's a quick checklist to see if you might be eligible:

  1. You closed on your mortgage on or before May 31, 2009.
    Go to or to see if either entity owns your mortgage. 
  2. The home can be your primary residence, second home, or investment property.
  3. Minimum credit score of 620. No 30-day late payments on the mortgage within the last 6 months.
  4. Home equity loans or second mortgages must be subordinated. We'll contact that lender to verify that they'll remain in second position.

*We can also assist members with FHA loans who may qualify for an FHA Streamline Refinance.

Additional restrictions may apply. Please contact a loan officer today who can further research this for you.

Interest on any portion of credit that is greater than the fair market value of the home is not tax deductible for federal income tax purposes. Consult a tax advisor for more details.