If you have a mortgage owned by either Fannie Mae or Freddie Mac and have little or no equity in your home, you may be eligible for the Home Affordable Refinance Program (HARP). HARP is a federal program designed to help homeowners get a more affordable (lower rate) and stable mortgage (ARM to fixed). You may be eligible for HARP if you meet all of the following criteria:

• Your mortgage must be owned or guaranteed by Fannie Mae or Freddie Mac
• You mortgage must have been sold to Fannie Mae or Freddie Mac on or before May 31, 2009
• Your current loan-to-value (LTV) ratio must be greater than 80%
• You must be current on your mortgage and you must have no late mortgage payments appearing on your credit in the last 12 month period

Go to the links below to determine if your loan is owned or guaranteed by Fannie Mae or Freddie Mac.

Fannie Mae Loan Lookup: www.FannieMae.com/loanlookup/

Freddie Mac Loan Lookup: ww3.FreddieMac.com/corporate/

If your loan is owned or guaranteed by Fannie Mae or Freddie Mac, Apply Now or call 1-800-734-3772 and speak with one of our Loan Specialists to take advantage of this great program while rates are at historic lows.