HARP Home Refinancing: Find Out If You Are Eligible

Might you be eligible?

See if you meet these basic eligibility requirements:

• You are current on your mortgage, with no 30-day+ late payments in the last six months and no more than one in the past 12 months
• Your home is your primary residence, a 1-unit second home or a 1- to 4-unit investment property.
• Your loan is owned by Freddie Mac or Fannie Mae. You can use the Loan Look-up Tools below if you are unsure.
• Your loan was originated on or before May 31, 2009. By using the loan look-up tools below, this date will be made available to you.
• Your current loan-to-value (LTV) ratio must be greater than 80%. Calculate your LTV ratio with this tool.

Is your mortgage owned by Fannie Mae or Freddie Mac?

Use their online tools to quickly find out, or call them toll-free:

Fannie Mae
Loan Look-up Tool:
Call: 800-7FANNIE (8 am to 8 pm ET)

Freddie Mac
Loan Look-up Tool:
Call: 800-FREDDIE (8 am to 8 pm ET)

Note: Be sure and check your address on both the Fannie Mae and Freddie Mac look-up tool. If your address does not appear in the look-up tool of either site, your loan is not owned by Fannie Mae or Freddie Mac and you are not eligible for the program.