Do you owe more on your mortgage than the actual value of your home?
If you're feeling like you're underwater on your home loan, the Home Affordable Refinance Program (HARP) may be just what you need to get out from under.
What is HARP?
HARP is a program offered through the Federal Housing Finance Agency (FHFA) that helps people with little to no equity refinance to a more affordable, more stable mortgage without new or additional mortgage insurance. It's designed to help you save money and pay off your debt faster.
Is HARP right for you?
Do you currently owe more on your home than it is worth? 
Have you been told your property won't appraise?
Are you current on your mortgage payments?
Is your mortgage a Fannie Mae or Freddie Mac loan?
If you answered YES to these questions, then refinancing with a HARP loan may be just the solution you need.
Why choose a HARP refinance?
HARP Deadline: December 31, 2018
 LTV must be greater than 80%. Subject to eligibility requirements as displayed on HARP website. Consumer’s eligibility will be evaluated based on current HARP program terms and conditions.
 LTV represents how much you owe vs. how much your home is worth. .