The Home Affordable Refinance Program (HARP)


The Home Affordable Refinance Program (HARP)

A Government Program to Refi to Better Rates and Terms

The Home Affordable Refinance Program (HARP) can help San Diego County homeowners who are not behind on their payments get better loan terms even if their home value has declined. The successful outcome is typically a lower interest, more affordable, stable loan. Although this is a government program, borrowers work with approved lenders during the loan application and underwriting process. Contact Sierra Pacific Mortgage’s San Diego Branch by calling 619-894-8943 or send an email.

Easier Applications Provide Second Chance for Previous Applicants

The newest HARP 2.0 guidelines are streamlined and easier for most applicants. If if you were turned down for the HARP program in the past, it may be wise to apply again as you may now meet the less restrictive program requirements. Changes from the initial program involve income verification, reserve funds, and bank statement/assets.

Contact Us About Refinancing Under the HARP 2.0 Government Program

Our Mission Valley San Diego Office can help you with home loan needs, including HARP refinances. We strive to offer the best service possible. When you contact our mortgage company, you are under no obligation to move forward, as we are happy to provide you the initial information with no cost or commitment on your part. Find out more about our company, the many types of loans we offer, and how we can help you with the Home Affordable Refinance Program (HARP) by emailing us, or call 619-894-8943.

Freddie Mac and Fannie Mae have adopted changes to the Home Affordable Refinance Program (HARP) and you may be eligible to take advantage of these changes. If your mortgage is owned or guaranteed by either Freddie Mac or Fannie Mae, you may be eligible to refinance your mortgage under the enhanced and expanded provisions of HARP. You can determine whether your mortgage is owned by either Freddie Mac or Fannie Mae by checking the following websites: or