HARP Loans

A sweet sound for struggling homeowners.

The housing market crash undermined a lot of people’s finances. The Home Affordable Refinance Program (HARP) Loan is designed to help homeowners who are paying off a house that has lost significant value. This federal government program can provide some financial freedom. Refinance to a lower-rate mortgage with no down payment requirement. Plus, you have the choice of fixed or adjustable rates over various terms.

Key Features:

  • Expanded loan-to-value ratios provide additional assistance
  • Get financial relief if you’re paying off a high-rate mortgage on a home that’s worth less than you owe


Down Payment None
Terms Multiple years, fixed and ARM
Credit Score 620 minimum
Mortgage Insurance Yes
Maximum Loan Limit $417,000*
*Some “high balance” areas have loan limits above the standard level.

Equal Housing Lender
PRMI NMLS: 3094. Some products and services may not be available in all states. Credit and collateral are subject to approval. Terms and conditions apply.
This is not a commitment to lend. Programs, rates, terms and conditions are subject to change without notice. Florida Office of Financial Regulation MLD646.
Licensed by the Massachusetts Division of Banks as a Broker and Lender as #MC3094. Bureau of Financial Institutions: MC-2248 Broker MC-2248 NMLS # 3094. NMLS Consumer Access.
“Licensed by the New Hampshire Banking Department” 10706-MB. Branch Phone: 603-718-3184

Eric LaFleur MLO165839
NMLS #996610