2 Simple Steps For Harp

It is very simple to find out if you qualify for a HARP Mortgage..


Is HARP Right For Me?

How do I know if I am eligible for a refinance under HARP? .

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2 Simple Steps To Determine If You’re Eligible For HARP

Step 1 - Your current existing mortgage must be serviced by Fannie Mae or Freddie Mac to be eligible for HARP

Your loan servicer is the financial institution that collects your monthly mortgage payments and has responsibility for the management and accounting of your loan. It is possible that the owner of your mortgage also services it, however many loans are owned by groups of investors and these investors hire loan servicers to interact with homeowners on their behalf. Many lenders also have the loan servicers handle all contact with homeowners. Traditionally, banks used money deposited in customers' savings accounts to make loans. They held the loans, earning the interest as homeowners repaid over time. Banks were thus limited in the number of loans they could make because they had to wait to make new ones until savings deposits grew or existing homeowners repaid their loans.

Many families who wanted to own a home were unable to do so because there was not a steady supply of money for banks to lend. Over time, banks started to turn loans into cash by pooling large groups of loans together to create mortgage backed securities that could be sold to investors such as pension funds and hedge funds. The investors get the right to collect future payments and the bank gets cash that it can use to make more loans. Investors hire loan servicers to collect payments and interact with customers. If you have questions about your loan, or you are behind on your payments, you should call your loan servicer at the number on your payment coupon or monthly mortgage statement.

Is my loan serviced by Fannie/ Freddie?

Loan Lookup:

You can determine whether your mortgage is owned by either Freddie Mac or Fannie Mae by checking the following websites:



Step 2 - Online Application For Pre-Approval

See if you qualify for a HARP Refinance by filling out our short online pre-application form and one of our Licensed Senior Loan Officers will contact you immediately to go over rates today.

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How do I know if I am eligible for a refinance under HARP?

You may be eligible if:

- The existing mortgage MUST be owned or guaranteed by Fannie Mae or Freddie Mac

- The existing mortgage MUST have been originated before May 31, 2009

- The borrower MUST be current on the mortgage at the time of the refinance, with no 30 day late payments in the past six months and no more than one 30 day late payment in the past 12 months.

- You have a reasonable ability to pay the new mortgage payments.

The best way to determine your eligibility is to fill out our Application For Pre-Approval Now! – One of our Licensed Senior Loan Officers will contact you immediately to go over rates today.

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Privacy Policy

This Privacy Policy governs the manner in which Harp Alliance collects, uses, maintains and discloses information collected from users (each, a "User") of the www.harpalliance.com website ("Site"). This privacy policy applies to the Site and all products and services offered by Harp Alliance.

Personal identification information

We may collect personal identification information from Users in a variety of ways, including, but not limited to, when Users visit our site, fill out a form, and in connection with other activities, services, features or resources we make available on our Site. Users may be asked for, as appropriate, name, email address, mailing address, phone number. Users may, however, visit our Site anonymously. We will collect personal identification information from Users only if they voluntarily submit such information to us. Users can always refuse to supply personally identification information, except that it may prevent them from engaging in certain Site related activities.

Non-personal identification information

We may collect non-personal identification information about Users whenever they interact with our Site. Non-personal identification information may include the browser name, the type of computer and technical information about Users means of connection to our Site, such as the operating system and the Internet service providers utilized and other similar information.

Web browser cookies

Our Site may use "cookies" to enhance User experience. User's web browser places cookies on their hard drive for record-keeping purposes and sometimes to track information about them. User may choose to set their web browser to refuse cookies, or to alert you when cookies are being sent. If they do so, note that some parts of the Site may not function properly.

How we use collected information

Harp Alliance collects and uses Users personal information for the following purposes:

- To improve our Site
We continually strive to improve our website offerings based on the information and feedback we receive from you.
- To improve customer service
Your information helps us to more effectively respond to your customer service requests and support needs.
- To share your information with third parties
We may share or sell information with third parties for marketing or other purposes.
- To send periodic emails
The email address Users provide will only be used to respond to their inquiries, and/or other requests or questions. If User decides to opt-in to our mailing list, they will receive emails that may include company news, updates, related product or service information, etc. If at any time the User would like to unsubscribe from receiving future emails, we include detailed unsubscribe instructions at the bottom of each email.

How we protect your information

We adopt appropriate data collection, storage and processing practices and security measures to protect against unauthorized access, alteration, disclosure or destruction of your personal information, username, password, transaction information and data stored on our Site.

Sensitive and private data exchange between the Site and its Users happens over a SSL secured communication channel and is encrypted and protected with digital signatures.

Third party websites

Users may find advertising or other content on our Site that link to the sites and services of our partners, suppliers, advertisers, sponsors, licensors and other third parties. We do not control the content or links that appear on these sites and are not responsible for the practices employed by websites linked to or from our Site. In addition, these sites or services, including their content and links, may be constantly changing. These sites and services may have their own privacy policies and customer service policies. Browsing and interaction on any other website, including websites which have a link to our Site, is subject to that website's own terms and policies.

Changes to this privacy policy

Harp Alliance has the discretion to update this privacy policy at any time. When we do, we will revise the updated date at the bottom of this page. We encourage Users to frequently check this page for any changes to stay informed about how we are helping to protect the personal information we collect. You acknowledge and agree that it is your responsibility to review this privacy policy periodically and become aware of modifications.

Your acceptance of these terms

By using this Site, you signify your acceptance of this policy. If you do not agree to this policy, please do not use our Site. Your continued use of the Site following the posting of changes to this policy will be deemed your acceptance of those changes.

Opt-Out/ Choice:

Our website provides users the opportunity to opt-out from receiving communications from www.harpalliance.com and/or our marking partners. To unsubscribe from our mailing list, click To unsubscribe from our mailing list, click Here

Contacting us

If you have any questions about this Privacy Policy, the practices of this site, or your dealings with this site, please contact us at:
Harp Alliance
19800 MacArthur Blvd
Irvine, CA 92612

This document was last updated on June 03, 2012

Terms Of Use

All approvals and rates are not guaranteed, and are only issued based on standard HARP or other mortgage qualifying guidelines. This site, http://harpalliance.com, is not acting as a bank / mortgage lender / broker by offering a commitment to lend. The content contained within http://harpalliance.com is solely intended for information purposes. You should check with an attorney and your Certified Public Accountant prior to acting on any of the information that is contained in this site. Approved HARP Mortgage Professionals associated with this network acknowledge Equal Opportunity Lending, Fair Credit, Truth in Lending, and their own local and state RESPA, or otherwise lending laws.

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Due To a High Volume of Calls, For Faster Service Fill Out the Pre-Approval Application, and Someone Will Get Back to You in a Few Minutes.