HARP Loans

Home Ownership Affordable Plan Loans

To determine the best kind of loan for your unique needs, be sure to discuss your home loan options with one of our Loan Officers.

HARP Loans

HARP is designed to help you get a new, more affordable, more stable mortgage. HARP refinance loans require a loan application and underwriting process.

HARP is a Mortgage Refinance Loan that is designed to help homeowners, who have not been late on their mortgage payments and who have been denied loans because of their declining property values, get a new more affordable, more stable mortgage without the Property Value limitations.

HARP eligibility is extended for those homeowners whose mortgages are owned or guaranteed by Fannie Mae or Freddie Mac. Secure Funding Group offers a fast and easy HARP eligibility check with a complementary consultation.

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HARP Eligibility

You may be eligible for HARP if you meet all of the following criteria:

  • The mortgage must be owned or guaranteed by Freddie Mac or Fannie Mae.
  • The mortgage must have been sold to Fannie Mae or Freddie Mac on or before May 31, 2009.
  • The mortgage cannot have been refinanced under HARP previously unless it is a Fannie Mae loan that was refinanced under HARP from March-May, 2009.
  • The current loan-to-value (LTV) ratio must be greater than 80%.
  • The borrower must be current on the mortgage at the time of the refinance, with a good payment history in the past 12 months.

*Eligibility criteria are for guidance only. Contact one of our Mortgage Consultants to see if you are eligible for HARP.

Find out if HARP is right for you. Take a moment to fill out an application or call to speak with an experienced Mortgage Consultant today.

Our Loan Types

Expertise you can trust

Home Ownership Affordable Program (HARP)

Federal Housing Administration (FHA)

FHA Streamline

Veterans Administration Loans

VA Interest Rate Reduction Finance Loan (IRRRL)

Conventional Loan

USDA Rural Housing Loans

California Housing Finance Authority (CalHFA)

Home Ownership Affordable Program (HARP)

HARP is a Mortgage Refinance Loan that is designed to help homeowners, who have not been late on their mortgage payments and who have been denied loans because of their declining property values, get a new more affordable, more stable mortgage without the Property Value limitations.

Federal Housing Administration (FHA)

FHA Loan is a Mortgage Loan that is insured and backed by the Federal Housing Administration. This loan is often used by First Time Homebuyers since the program has low down payment and flexible credit requirements.

FHA Streamline

FHA Streamline is a Refinance Loan Program that is designated to reduce an existing FHA loan’s current Interest Rate, Loan Term or both. Typically this loan does not require borrower’s to provide income qualifications or a property Appraisal.

Veterans Administration Loans

VA Loan is a mortgage loan that is guaranteed by the U.S. Department of Veterans Affairs. This loan is designated for eligible American Veterans or their surviving spouses and offers 100% financing with no mortgage insurance to the borrowers.

VA Interest Rate Reduction Finance Loan (IRRRL)

VA IRRRL is a Refinance Loan Program that is designated to reduce en existing VA loan’s current Interest rate, Loan Term or both. Typically this loan does not require borrower’s to provide income qualifications or a property Appraisal.

Conventional Loan

A Conventional Loan is a Mortgage Loan that is not insured or guaranteed by any Government Agency. Conventional loans adhere to Fannie Mae guidelines and typically require excellent credit and larger down payment. Unlike FHA and VA Loans, Conventional loans can be used to finance a primary residence, a second home, or an investment property.

USDA Rural Housing Loans

USDA is a mortgage loan that offers 100% financing in rural areas and is guaranteed by the United States Department of Agriculture. USDA loans and have low interest rates and have flexible underwriting guidelines and can be used for Purchase or Refinance transactions.

California Housing Finance Authority (CalHFA)

CalHFA is a First Time Homebuyer loan that is can be used as a First Mortgage Loan or as a Down Payment Assistance Loan. CalHFA loans have eligibility requirements based on Income, Household members, and County Limits.

Find out if an HARP loan is right for you. Take a moment to fill out an application or call to speak with an experienced Loan Officer today.