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Check your eligibility for the Home Affordable Refinance Program

NOTE: If Fannie Mae or Freddie Mac own your loan, you may be eligible for a lower interest rate or shorter term, regardless of your appraised value.

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HARP 2.0 Eligibility

Fannie Mae and Freddie Mac have adopted changes to the Home Affordable Refinance Program (HARP) and you may be eligible to take advantage of these changes if your mortgage is owned or guaranteed by either Fannie Mae or Freddie Mac.

The following websites will help you determine if your mortgage is owned by Fannie Mae or Freddie Mac:


Government Refinance Plan

HARP Mortgage Lender works with some of the top HARP lenders in the United States. We will match you with a HARP Lender that can verify your eligibility.

We Are Not The Government.

The information on this website
is meant to educate borrowers
about how to refinance a home
through the Home Affordable
Refinance Program.

HarpRefinanceLender.com (the “Site”) is a website owned and operated by Best Rate Holdings, LLC dba Best Rate Referrals (“Best Rate Referrals”). Best Rate Referrals is an online lead generator and a Duly Licensed Mortgage Broker. Best Rate Referrals provides administrative and marketplace services by matching consumers who are prospective borrowers with one or more banks and/or lenders (each a “Lender”) that offer products and/or services of interest. Best Rate Referrals is not a Lender and does not: originate, make or refinance loans; make credit decisions in connection with loans; issue loan commitments or lock-in agreements; or guarantee that your submission of information on the Site will result in the origination or refinancing of a loan from a Lender.

In order to be matched with participating Lender(s), Best Rate Referrals may require you to submit certain personal and financial information. Your responses, and the information you choose to submit in order to be matched with participating Lender(s), will help improve the accuracy of your results. The information you submit to Best Rate Referrals is not a loan application. You understand, acknowledge and agree that the information you choose to provide to Best Rate Referrals will be collected, stored and transmitted only to Best Rate Referrals’ partners, and solely for the purpose of matching you with participating Lenders that can provide you with more information about their respective products and/or services. Make sure to compare rates and fees, as they can vary between Lenders and may depend on the state in which you reside.

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