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Citizens Home Loans of America


Home Affordable Refinance Program(HARP)

New Purchase Loans

Is HARP right for You?

If you have been thinking about refinancing your mortgage, but are concerned you might be denied because of the current value of your home, the Home Affordable Refinance Program (HARP) is a federal program designed to help you. If you are current on your mortgage payments, but are underwater or near underwater on your home, HARP will allow you to take advantage of today’s low interest rates and get you into a more affordable, stable mortgage.

If you answer yes to all of the following, you are eligible to take advantage of a HARP refinance.

  • Your mortgage is currently owned by Fannie Mae or Freddie Mac

  • Your mortgage was purchased by Fannie Mae or Freddie Mac prior to 5/31/2009

  • Your current loan-to-value ratio exceeds 80%

  • You are current on your payments and do not have a late payment within the last 12 months

Call us today at 888-342-6550 to learn more or apply now!

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Citizens Home Loans of America is an approved lender of the U.S. Department of Housing and Urban Development (HUD) and Federal Housing Administration (FHA) insured mortgage programs. As an authorized program sponsor of the Federal Housing Administration, Citizens Home Loans can begin processing your application immediately.
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