Qualify to refinance even if you’ve been denied in the past.
The U.S. government’s Home Affordable Refinance Program (HARP) is a great option for homeowners who have little or no equity, or owe more than their home is worth.

HARP’s easy qualification requirements and streamlined refinance process have made it possible for nearly 3.5 million Americans to take advantage of today’s low rates since the program began in 2009. Closing costs are often lower than you’d expect, and you may not even need an appraisal.

To see if you qualify, just answer a few questions online or call a Licensed Loan Advisor at (888) 353-1558.

HARP could help you save big on your monthly payments and meet your financial objectives.
Homeowners who refinance with HARP save an average of $189 per month on their payments, according to the Federal Housing Finance Agency.*

HARP Eligibility
If your loan meets these criteria, you could be eligible for HARP:

  • Your loan must be owned or backed by Fannie Mae or Freddie Mac
  • Your loan must have closed on or before May 31, 2009
  • You must have a good history of keeping up with your mortgage payments

Unsure if you’re eligible for HARP?
You could find out your eligibility in minutes. Just answer a few questions online or call a Licensed Loan Advisor at (888) 353-1558.

Frequently Asked Questions

Yes. You can still qualify for HARP even if you’ve had a late payment. Call (888) 353-1558 to talk to a Licensed Loan Advisor, or answer a few quick questions to find out if you qualify.

Homeowners with credit scores as low as 580 can refinance with HARP.

HARP is just one of several options available to homeowners who want to refinance. It’s unique in that it’s the only refinance program that allows borrowers who have little to no equity in their homes to benefit from low interest rates.

In many cases, you won’t need to get an appraisal, but the only way to know for sure is to talk with a Licensed Loan Advisor. Call (888) 353-1558 t0 to get in touch with a Loan Advisor now.

The first step is to learn if your mortgage is owned or guaranteed by Freddie Mac or Fannie Mae. Tell us a little bit about you and your home, and we’ll look up your loan to see if you’re eligible. You can also call us at (800) 251-9080 to see what your options are.

Not at all! Your current servicer might have HARP requirements that prevent them from helping you. One of our Licensed Loan Advisors can tell you if you’re eligible to refinance through HARP with Shoreline Mortgage, or you can see if you’re eligible here.

If you’re not paying PMI today, you likely not have to pay it when you refinance with HARP. The only way to know for sure whether you’ll be required to pay PMI is by calling (888) 353-1558 to talk with one of our Licensed Loan Advisors.

Yes! HARP was designed to help responsible homeowners who are current on their mortgages but have been unable to take advantage of lower interest rates because their homes have decreased in value.

We hope so! If your interest rate is a lot higher than current interest rates, you should see a decrease in your payments. Homeowners who refinance with HARP save an average of $189 per month on their payments, according to the Federal Housing Finance Agency.*

Why talk to one of our Licensed Loan Advisors??

Talking to a Licensed Loan Advisor is an important step to getting the right mortgage loan. Everybody has different loan needs and a mortgage banker knows which questions to ask in order to best match you with the right loan and monthly payment. Since we have a strict No Steering policy, you can be assured that the loan option suggested to you will fit your needs.

Your loan advisor will also explain all the steps–from getting started, to locking in your low rate, to closing your loan fast, in little as 30 days or less!!. Because we are a direct lender, if you have any questions during the loan process, you will have one direct number enabling you to get quick answers straight from the source.

Client Testimonials – What Our Customers are Saying

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Lixin Wan

It was our first time to buy a house. I have zero experiment, Michael Minkoff did all paperwork for us. It was a painless experience, we are so luck to meet you, Michael! Thank you!

Lixin Wan 8509 parrots landing dr. Tampa FL 33647 January 2, 2017


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