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The Lowdown on HARP Loans...

HARP Loans

Refinancing with a HARP Loan

If you owe more on your current home than it’s worth, refinancing with a HARP Loan might be your best option. At Southern Home Loans, we’ve made qualifying for a HARP Loan easier than ever!

When the housing bubble burst, many people were stuck paying more for their homes than their market value. Thankfully, many of these homeowners now qualify for some relief thanks to the Home Affordable Refinance Program.

Who qualifies for HARP refinancing?

To refinance your home with a HARP Loan, you must meet the following criteria:

  • Mortgage must be current
  • Must not have any late payments over the previous 6 months
  • Mortgage must have been purchased by Freddie Mac or Fannie Mae prior to June 1, 2009
  • Must have not refinanced your home through HARP before

Is refinancing your home through HARP worth it?

This all depends upon your specific circumstances. In most cases, refinancing your mortgage through the HARP program can significantly reduce your monthly payments. However, the closing costs could possibly be more than the amount you’ll save on your mortgage payments.

It’s important that the numbers are crunched correctly to determine just how beneficial a HARP Loan will be for you.

This is where we come in

We have all the experience needed to help you determine just how much a HARP Loan will help you. That lower rate always sounds great, but if it costs more to close on the loan than it will save you in the long run, it doesn’t benefit you to refinance through HARP.

Thankfully, Southern Home Loans will not only be able to tell you whether you qualify for a HARP Loan, but we’ll also be able to crunch the numbers for you to help you decide whether something like this will benefit you in the long run.

By applying over the internet with us, you can be sure that you’ll have every option available and all the info needed to make a money-saving decision.

The easiest way to apply for a HARP Loan

Once you’ve applied, you’ll be presented with great options in a matter of seconds.

Qualify for a HARP Loan?

Applying for a HARP Loan is easier than ever with Southern Home Loans. Fill out our Qualifier and let us provide you with every possible option. This is the best way to make sure that you’re receiving a benefit from the loan.

  • Fixed Rates
  • Adjustable Rates (ARM)
  • Keep Your Home
  • Terms from 5 to 30 Years

Get Your FREE HARP Loan Quote Now!