Certain requirements need to be came across in order to qualify for HARP. When you are there can be more criteria imposed by home loan servicer, government entities criteria are listed below:

• The borrowed funds have to be possessed or secured of the Freddie Mac or Federal national mortgage association. Of a lot residents try unaware you to definitely their mortgage loans is actually associated with one of them groups, because neither Freddie Mac computer neither Federal national mortgage association deals yourself on public.
• The loan should have started obtained by the Freddie Mac computer or Fannie Mae to your otherwise prior to .
• The fresh resident must not has a past HARP refinance of your financial, except if its a fannie mae loan which had been refinanced significantly less than HARP during .
• The brand new resident need to be most recent on the mortgage payments, and no americash loan Nulato (30-day) late payments within the last 6 months without more you to definitely later payment over the past yearly.

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