{"id":204,"date":"2012-01-14T16:30:29","date_gmt":"2012-01-14T16:30:29","guid":{"rendered":"http:\/\/riverbankfinance.com\/blog\/?p=204"},"modified":"2015-04-21T13:37:40","modified_gmt":"2015-04-21T13:37:40","slug":"affordable-mortgage-refinance-through-harp","status":"publish","type":"post","link":"https:\/\/riverbankfinance.com\/blog\/affordable-mortgage-refinance-through-harp\/","title":{"rendered":"Affordable mortgage refinance through HARP"},"content":{"rendered":"<p><a href=\"https:\/\/riverbankfinance.com\/blog\/wp-content\/uploads\/2012\/01\/affordable-mortgage-refinance.png\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-full wp-image-205\" title=\"affordable-mortgage-refinance\" src=\"https:\/\/riverbankfinance.com\/blog\/wp-content\/uploads\/2012\/01\/affordable-mortgage-refinance.png\" alt=\"Elibility tips for HARP\" width=\"150\" height=\"150\" \/><\/a>In conventional mortgage refinance, you should have substantial equity in your home, in order to become eligible for mortgage refinance, but the Home Affordable Refinance Program (HARP) has been aimed at helping the homeowners to refinance their mortgages even if their outstanding balance is more than the current market price of their home. This particular program came into effect especially after the sub prime mortgage crisis in the country.<\/p>\n<p>The primary motive behind this special mortgage refinance brings the borrowers in a relatively better position by lowering down the principal amount and as well as the interest payment, reducing the amortization period or to switch from a comparatively risky loan structure to a more stable product. If you want to <a title=\"Apply for HARP\" href=\"http:\/\/riverbankfinance.com\/mortgage-programs\/president-obama-home-affordable-refinance-harp.html\">apply for HARP<\/a>, you can contact any mortgage lender that offers the Fannie Mae DU Refi Plus or Freddie Mac Open Access, however, not all the mortgage lenders participate in HARP. You can also contact Freddie Mac or Fannie Mae directly, if you want to know whether or not you are eligible for HARP.<\/p>\n<p>This refinance program was introduced in 2009 and the program will continue till 31<sup>st<\/sup> December, 2013. These mortgages are backed by Freddie Mac and Fannie Mae. You need to fulfill certain criteria in order to become eligible to obtain this mortgage refinance facility. These eligibility criteria are listed below.<\/p>\n<ul>\n<li>First of all, you must reside in a home that is being refinanced.<\/li>\n<li>In order to become eligible for HARP facility, your original mortgage must be backed by Freddie Mac or Fannie Mae.<\/li>\n<li>Most importantly, terms and conditions should be such that new mortgage is very much affordable to the borrowers.<\/li>\n<li>To be eligible for this program, you the borrower, should not default in making payments in the last one year.<\/li>\n<li>The loan to value ratio must be more than 80%.<\/li>\n<\/ul>\n<p>While applying for HARP, you must follow certain tips. These tips are listed below.<\/p>\n<ul>\n<li>First of all, you need to determine whether or not your mortgage is backed by either Freddie Mac or Fannie Mae. This is the basic criteria to become eligible for HARP.<\/li>\n<li>It is recommended that if you want to get such mortgage refinance, you can contact your original mortgage lender. If your lender is approved by HARP, then you can opt for mortgage refinance. Otherwise, you need to contact Freddie Mac or Fannie Mae to see whether or not you are eligible for HARP.<\/li>\n<li>Finally, you need to compare different mortgage rates so as to make the final decision.<\/li>\n<\/ul>\n<p>You can also obtain valuable information on HARP by researching the <a title=\"President Obama home affordable mortgage.\" href=\"http:\/\/home-affordable-mortgage.com\/\">home affordable mortgage<\/a>.<\/p>\n<h2>Get approved for an affordable mortgage with HARP<\/h2>\n\n<div class=\"wpcf7 no-js\" id=\"wpcf7-f185-o1\" lang=\"en-US\" dir=\"ltr\" data-wpcf7-id=\"185\">\n<div class=\"screen-reader-response\"><p role=\"status\" aria-live=\"polite\" aria-atomic=\"true\"><\/p> <ul><\/ul><\/div>\n<form action=\"\/blog\/wp-json\/wp\/v2\/posts\/204#wpcf7-f185-o1\" method=\"post\" class=\"wpcf7-form init\" aria-label=\"Contact form\" novalidate=\"novalidate\" data-status=\"init\">\n<fieldset class=\"hidden-fields-container\"><input type=\"hidden\" name=\"_wpcf7\" value=\"185\" \/><input type=\"hidden\" name=\"_wpcf7_version\" value=\"6.1.6\" \/><input type=\"hidden\" name=\"_wpcf7_locale\" value=\"en_US\" \/><input type=\"hidden\" name=\"_wpcf7_unit_tag\" value=\"wpcf7-f185-o1\" \/><input type=\"hidden\" name=\"_wpcf7_container_post\" value=\"0\" \/><input type=\"hidden\" name=\"_wpcf7_posted_data_hash\" value=\"\" \/><input type=\"hidden\" name=\"_wpcf7_recaptcha_response\" value=\"\" \/>\n<\/fieldset>\n<div class=\"application_form\">\n\t<div class=\"block_top\" id=\"apply_form\">\n\t<\/div>\n\t<div class=\"spacer_top\">\n\t<\/div>\n\t<div class=\"ApplyFullHeader\">\n\t\t<p class=\"replaceheader\">Request Home Loan Information Now!\n\t\t<\/p>\n\t<\/div>\n\t<div class=\"blueBox\">\n\t\t<p><span class=\"wpcf7-form-control-wrap\" data-name=\"your-name\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Your Name (required)\" value=\"\" type=\"text\" name=\"your-name\" \/><\/span>\n\t\t<\/p>\n\t\t<p><span class=\"wpcf7-form-control-wrap\" data-name=\"your-email\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-email wpcf7-validates-as-required wpcf7-text wpcf7-validates-as-email\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Your Email (required)\" value=\"\" type=\"email\" name=\"your-email\" \/><\/span>\n\t\t<\/p>\n\t\t<p><span class=\"wpcf7-form-control-wrap\" data-name=\"your-phone\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Phone:\" value=\"\" type=\"text\" name=\"your-phone\" \/><\/span>\n\t\t<\/p>\n\t\t<p><span class=\"wpcf7-form-control-wrap\" data-name=\"your-goal\"><select class=\"wpcf7-form-control wpcf7-select\" aria-invalid=\"false\" name=\"your-goal\"><option value=\"Purchase\">Purchase<\/option><option value=\"Refinance\">Refinance<\/option><option value=\"Cash Out\">Cash Out<\/option><option value=\"More Information\">More Information<\/option><\/select><\/span>\n\t\t<\/p>\n\t\t<p><span class=\"wpcf7-form-control-wrap\" data-name=\"your-message\"><textarea cols=\"40\" rows=\"10\" maxlength=\"2000\" class=\"wpcf7-form-control wpcf7-textarea\" aria-invalid=\"false\" placeholder=\"Your Message:\" name=\"your-message\"><\/textarea><\/span>\n\t\t<\/p>\n\t\t<p><span class=\"wpcf7-form-control-wrap\" data-name=\"referer-page\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text referer-page\" aria-invalid=\"false\" value=\"\" type=\"text\" name=\"referer-page\" \/><\/span><br \/>\n\t\t\n\t\t<\/p>\n\t\t<p><input class=\"wpcf7-form-control wpcf7-submit has-spinner submit\" type=\"submit\" value=\"Submit Now!\" \/>\n\t\t<\/p>\n\t<\/div>\n\t<div style=\"text-align: justify; color:#666666;font-size: small;\">\n\t\t<p>By clicking \"Submit Now!\", you consent to receive calls and texts at the number you provided, including marketing by autodialer and prerecorded and artificial voice, and email, from Riverbank Finance LLC about your inquiry and other home-related matters, but not as a condition of any purchase; this applies regardless of whether you check, or leave un-checked, any box above. You also agree to our Privacy Policy and Terms of Use regarding the information relating to you. Msg\/data rates may apply. This consent applies even if you are on a corporate, state or national Do Not Call list. This no obligation inquiry does not constitute a mortgage application. To apply now or get immediate assistance, call us at 1-800-555-2098.\n\t\t<\/p>\n\t<\/div>\n<\/div><p style=\"display: none !important;\" class=\"akismet-fields-container\" data-prefix=\"_wpcf7_ak_\"><label>&#916;<textarea name=\"_wpcf7_ak_hp_textarea\" cols=\"45\" rows=\"8\" maxlength=\"100\"><\/textarea><\/label><input type=\"hidden\" id=\"ak_js_1\" name=\"_wpcf7_ak_js\" value=\"112\"\/><script>\ndocument.getElementById( \"ak_js_1\" ).setAttribute( \"value\", ( new Date() ).getTime() );\n<\/script>\n<\/p><div class=\"wpcf7-response-output\" aria-hidden=\"true\"><\/div>\n<\/form>\n<\/div>\n\n","protected":false},"excerpt":{"rendered":"<p>In conventional mortgage refinance, you should have substantial equity in your home, in order to become eligible for mortgage refinance, but the Home Affordable Refinance Program (HARP) has&hellip;<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[306,1],"tags":[74,77,76,75],"class_list":["post-204","post","type-post","status-publish","format-standard","hentry","category-home-affordable-refinance-program-2","category-local-michigan","tag-affordable-mortgage","tag-eligible-for-mortgage","tag-harp","tag-home-affordable"],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO 4.9.10 - aioseo.com -->\n\t<meta name=\"description\" content=\"Learn information on the affordable mortgage refinance through HARP.\" \/>\n\t<meta name=\"robots\" content=\"max-image-preview:large\" \/>\n\t<meta name=\"author\" content=\"Anthony Bird\"\/>\n\t<link rel=\"canonical\" href=\"https:\/\/riverbankfinance.com\/blog\/affordable-mortgage-refinance-through-harp\/\" \/>\n\t<meta name=\"generator\" content=\"All in One SEO (AIOSEO) 4.9.10\" 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