The Home Affordable Refinance Program (HARP) provides an easier way to refinance your home.


HARP Loans

HARP, a federal government program, provides an opportunity for eligible homeowners to refinance with less paperwork than a traditional refinance. Even if the home has declined in value,  refinancing through HARP can help lower payments or change to a more stable loan type (for example, from an adjustable-rate mortgage to a fixed-rate mortgage).


What is HARP?

HARP is a federal government program that provides eligible homeowners the opportunity to lower their mortgage interest rates, even if they owe more than their home is worth.  In many cases, the process is simpler than a traditional refinance as fewer documents are required.


Here are some of the benefits of refinancing with a HARP loan:

  • You can qualify for a loan even if your home has declined in value.
  • You can lower your monthly payment.
  • If you currently have an adjustable-rate mortgage, you’ll be able to change to a more stable fixed-rate loan.

Eligibility Requirements

If you meet the following criteria, you may be eligible for a HARP loan:

  • You have demonstrated an acceptable payment history on your existing loan
  • You have not already refinanced through HARP

Learn More About HARP

To find out if you qualify, contact a Chase Mortgage Banker.

Call: 1-800-228-4922

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