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HARP Loans

Get a Home Affordable Refinance Program (HARP) Loan Today!

If you owe more on your current home than it’s worth, refinancing with a HARP Loan might be your best option.

Refinancing with a HARP Loan

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 Team 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.

Need more info on how to purchase?

Fill out the form below and one of our Loan Originators will reach out to you with your best options.


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