A Division of American Pacific Mortgage, 1850
TILA spelled T-I-L-A stands for the Truth in Lending Act, and
emphasizes our commitment to honest and ethical lending

HARP Loans

HARP 2.0 Refinance

Learn More about HARP Loans

Is your house worth less than what you owe? With HARP (Home Affordable Refinance Program) 2.0 our Home Loan experts will help you refinance at a better rate.

  • Quickly Check Your Eligibility
  • Refinance Even If Underwater
  • HARP 2.0 Helps More People Qualify

Call (425) 533-9400 now  for a free consultation or get a free rate quote by email. From Seattle to Tacoma, from Bellevue to Spokane, we serve all of Washington state.

If you have a Fannie Mae loan, value is no longer a concern. We will provide an unlimited LTV (loan to value) loan up to $417,000.

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HARP (Home Affordable Refinance Program) is government program that was rolled out in 2009, but recently updated to HARP 2.0, with the purpose of helping homeowners who are upside down on their mortgage (owe more than their home than it’s worth) to refinance.

With the collapse of the real estate market, home values in all parts of the country dropped 25% or more leaving homeowners unable to qualify and take advantage of the extremely low rates. The HARP 2.0 program helps homeowners get into low, fixed rate loans with no restrictions on the LTV (loan to value).


Who is eligible for a refinance under HARP 2.0?

  • Homeowners with loans owned or guaranteed by Fannie Mae or Freddie Mac
  • Homeowners with loans sold to Fannie and Freddie on or before May 31, 2009.
  • Current LTV (loan to value) on home is 80% or greater.
  • Must be current on payments for last 12 months
  • Must have a credit score of 620 or greater.
  • Homeowners who haven’t previously refinanced under HARP Loans, unless it was a Fannie Mae loan that was refinanced under HARP between March and May of 2009.

We participate in Housing and Urban Development (HUD) Home Affordable Home Refinance Program (HARP) and if you are underwater on your mortgage and you want to investigate whether you meet the criteria above and qualify for this program, please call (425) 533-9400.

Learn more about the Home Affordable Refinance Program (HARP) at the government web site.


Let TILA Mortgage help you with a HARP Loan today

TILA Mortgage, Real Estate Loans, Bothell, WA