Ensure your loan is owned / guaranteed by either Fannie Mae OR Freddie Mac
Click on the links below to find out who owns your loan
Is your loan owned by either Fannie Mae or Freddie Mac? Yes No
Determine if your mortgage is old enough
(only those whose mortgages were securitized prior to May 31, 2009 can apply for HARP)
Was your mortgage securitized prior to May 31, 2009? Yes No
Have you been current on your mortgage in the last 6 months? AND have you missed no more than 1 payment in the last 12 months?
Yes No