The Home Affordable Refinance Program (HARP) is a federal initiative established by the Federal Housing Finance Agency in March 2009. It was designed to help underwater and near-underwater homeowners refinance their mortgages. HARP allows homeowners who owe more than their home is worth to refinance into a more affordable mortgage, potentially lowering their monthly payments and securing more favorable terms.

At High Country Mortgage, we strive to make the HARP loan process as straightforward and painless as possible. Our tools and expertise are here to guide you through every step, starting with our FREE HARP Loan Qualifier. We’ll help you understand the differences between HARP loan options, ensuring you choose the one that best fits your needs.

Why a HARP Loan?

If you're underwater on your conforming, conventional mortgage, you may be eligible to refinance without paying down principal, and without having to pay mortgage insurance.