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HARP Loans

Homeowners can now utilize the government-sponsored HARP program to refinance their homes from high-interest rates, declined home values, and underwater mortgages regardless of the property’s current value.

  • The mortgage must be owned or guaranteed by Freddie Mac or Fannie Mae.

  • The mortgage must have been sold to Fannie Mae or Freddie Mac on or before May 31, 2009.

  • The mortgage cannot have been refinanced under HARP previously unless it is a Fannie Mae loan that was refinanced under HARP from March-May, 2009.

  • The current loan-to-value (LTV) ratio must be greater than 80%.

  • The borrower must be current on the mortgage at the time of the refinance, with a good payment history in the past 12 months.

If your loan is owned by Freddie Mac, to check your eligibility for HARP Click Here

If your loan is owned by Fannie Mae, to check your eligibility for HARP Click Here

Working with MCF Mortgage

  • We put YOU first. We are committed to getting every client the very best possible deal every single time.
  • MCF Mortgage offers some of the most competitive rates in the Nation!
  • Fast and efficient, we close most of our loans in 30 days or less.
  • We offer a variety of loans … MCF Mortgage will find you the loan that is right for you!!!
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