HARP Loans

Home Affordable Refinance Program (HARP)

HARP 2.0 is here! Freddie Mac and Fannie Mae have adopted changes to the Home Affordable Refinance Program (HARP) and you may be eligible to take advantage of these changes.

With HARP 2.0 the loan to value cap has been removed providing refinancing opportunity for Freddie Mac and Fannie Mae loans even if the loan balance is significantly more than the value of your home.

How can FAIRWINDS help?
FAIRWINDS is able to assist you with your Fannie Mae mortgage refinance under the HARP program. We are NOT able to process HARP requests for Freddie Mac loans.

The first step of refinancing your mortgage under the HARP 2.0 program is to determine if your loan is owned by Fannie Mae. You can determine if your mortgage qualifies for the program below and then apply online.

Does your mortgage qualify?
Use this checklist to see if you meet all the qualifying criteria:

  • Your loan was sold to Fannie Mae on or before May 31, 2009.

    Confirm this by looking up your loan online or calling.
  • Fannie Mae
    Visit online:
    Fannie Mae Loan Look Up
    OR
    Call 800-7FANNIE
    (8 a.m. to 8 p.m. EST)
  • Your mortgage payments are current and there have been no late payments in the past six months and no more than one late payment in the past 12 months.
  • Your mortgage must not have already been refinanced through HARP in the past.

If your mortgage is owned or guaranteed by either Freddie Mac or Fannie Mae, you may be eligible to refinance your mortgage under the enhanced and expanded provisions of HARP. FAIRWINDS is able to assist you with your Fannie Mae refinance. We are NOT able to process HARP requests for Freddie Mac loans.

You may apply online or stop by any of our 38 branch locations to speak with one of our loan officers who will assist you through the process.

This is a standard mortgage refinance. It is NOT a loan modification and will appear like a typical refinance on your credit report.

Apply Today!
Once you have confirmed your mortgage eligibility, apply here.

HARP Loan : Apply Online Now

Still Have Questions?
Give our Real Estate Department a call at 407.647.8252, option 1 or email us to learn more about your refinancing options.