Fall leaves falling for michigan harp lenders. Many homeowners are dealing with the reality of their home now being worth much less than what they currently owe on their mortgage. Unfortunately there aren’t a lot of options to help homeowners who are facing this problem, but luckily the HARP program was created.

While there may not be many HARP lenders in Michigan, the ones that are available have overlays and restrictions that make it very difficult to take advantage of the Home Affordable Refinance Program. Riverbank Finance however specializes in the tough to do HARP loans that other banks and mortgage companies cannot help.


HARP is a mortgage program that was designed to help homeowners who are underwater on their mortgage and at high mortgage rates or adjustable rate mortgages. It is intended to help those borrowers by offering options to lower their monthly payments or more favorable loan terms. Certain criteria need to be met to be qualified for the HARP program which includes:

  • The current loan must be owned or guaranteed by Freddie Mac or Fannie Mae
  • Mortgage payments need to have been made regularly and not be more than 30 days late in the last 12 months
  • Owning and occupying the home. Investment properties and second homes do not qualify under this program


Riverbank Finance is a Michigan Mortgage Company that specializes in HARP refinance loans. We currently offer this program with no application fees and have zero cost loan options. Our current programs allow us to assist you in refinancing your home regardless of your home’s value. We also may be able to refinance your home if you have more than one mortgage on your home. Lastly, we still are able to transfer mortgage insurance (PMI) from your current mortgage which most big banks will not do.


Listed here are some of the many benefits to refinancing under the HARP program:

  • Zero cost loans
  • No application fee
  • No appraisal required
  • Historically low rates
  • Reduced monthly payments
  • No LTV restrictions

Request More Information about Michigan HARP Lenders

If you would like more information about the HARP program or would like to see if you would qualify, please contact Riverbank Finance and a loan officer would be happy to help you review your options at no cost.

Request Information Now!

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