If you have wanted to refinance your mortgage to enjoy the lower interest rates now available, but couldn’t do so because the value of your home had declined – there may now be an option for you.

The Home Affordable Refinance Program (HARP)  that rolled out in 2009 helped many homeowners, but due to requirements in the program millions more could not take advantage of it.  Now that has changed.  The new HARP program is worth looking into. With the new program there are no appraisals, less paperwork and lower fees.

If you are current on your mortgage and if Freddie Mac or Fannie Mae backs your mortgage you may be eligible.  To find out visit:    AND

For more information about the new HARP program visit