Member Advantage Mortgage
HARP 2.0 Mortgage Program


The following criteria must be met to qualify for the
Home Affordable Refinance Program (HARP 2.0):


  • A HARP 2.0 refinance only applies to Fannie Mae or Freddie Mac mortgages. Click here to check Freddie Mac or here for Fannie Mae.
  • The homeowner must be able to afford the new lower payment.
  • The current mortgage must be up to date with no late payments in the past twelve months.
  • Payments on the new loan must be more affordable or more stable than on the existing loan.
  • However, for homeowners looking to refinance into an adjustable rate mortgage the maximum LTV is 105%.







To view a message from the Federal Trade Commission concerning mortgage relief scams, Click Here.