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Home Affordable Refinance Program (HARP Loan)

Many refinance programs require a significant amount of home equity. But with changes to the government's Home Affordable Refinance Program (HARP), you may be able to refinance with a HARP loan even if you owe more than your home is worth. 

You may be eligible for the program if: 

  • You are current on your mortgage payments. 
  • You haven't already refinanced the same property under the Home Affordable Refinance Program. 
  • Your current mortgage is owned or guaranteed by Fannie Mae or Freddie Mac, and was originated before June 2009.

Is your current loan from Wells Fargo Home Mortgage?

As an existing customer, you may also be eligible for a more streamlined process with reduced paperwork and documentation.

To check your eligibility for conventional and government programs such as HARP, contact a home mortgage consultant.

Talk to us about your refinance goals and options. Get Started

If you are a service member on active duty, prior to seeking a refinance of your existing mortgage loan, please consult with your legal advisor regarding the loss of any benefits you are entitled to under the Servicemembers Civil Relief Act or applicable state law.