Terms & Conditions

Terms of Use

By accessing, browsing or using HarpLoanDirect.com through any direct or indirect means, you accept and agree to be bound by these Terms of Use.


This site specifically provides information for homeowners who may or may not qualify for the HARP 2.0 Program currently sponsored by the Federal Government. The 3 Steps on the home page allow you to check if your loan is eligible to refinance; it does not imply your loan will be approved.  Harp Loan Direct is a registered & licensed “DBA” of Elite Equity Consultants, Inc.  Harp Loan Direct is a licensed mortgage brokerage specializing in assisting homeowners refinance into loans with lower rates and/or lower terms, no matter how upside down said homeowners may be. Information collected  via our “Harp 2.0 Application” is used to help Loan Officers pre-qualify the homeowner.  Loan approval is contingent upon satisfactory guidelines set by Fannie Mae or Freddie Mac as well as our lending partners.

There is no cost or obligation to submit a request or to speak with loan officers to review your loan application and credit profile. This site does not charge you, the consumer, a fee for its services.

The content on our website (the “Content”) is supplied in good faith using references and sources deemed reliable; however it is published strictly on an “as-is” basis. The operator of this website and the author hereby disclaims any and all express or implied warranties to the maximum extent permitted by law. The content is provided for informational purposes only and is not to be construed as financial or legal advice. Everyone’s financial circumstances are unique. You are urged to consult multiple informational sources and a professional advisor before making any decisions affecting your personal finances.

This site is not responsible for the accuracy of the rate, APR and loan information as it based on third-party research, consumer and broker surveys and other published information sources.

MARS DISCLOSURES “Mortgage Assistance Relief Services”:

The following disclosure is made pursuant to the Federal Trade Commission’s MARS Rule (16 C.F.R. PP 322 et. seq.)


The Federal Trade Commission (“FTC”) Mortgage Assistance Relief Services (“MARS”) Rule applies to any person that provides, offers to provide, or arranges for others to provide, any “mortgage assistance relief service.”

Elite Equity Consultants, Inc., DBA:  HARP Loan Direct can NOT collect any upfront fees for intermediate steps you may take as part of the process.

Elite Equity Consultants, Inc., DBA:  HARP Loan Direct is not associated with the government, and our service is not approved by the government or your lender. Even if you accept this offer and use our service, your lender may not agree to change your loan.

You may stop doing business with us at any time. You may accept or reject the offer of mortgage assistance we obtain from your lender [or servicer]. If you reject the offer, you do not have to pay us. If you accept the offer, you will have to pay us. 


Copyrights & Trademarks

All contents of this website are the property of Elite Equity Consultants, Inc., DBA:  HarpLoanDirect.com, unless otherwise indicated, and are protected by copyright and trademark laws. HarpLoanDirect.com reserves all rights and the content of the web site may not be produced, downloaded, disseminated, published, or transferred without the prior written permission of HarpLoanDirect.com. The trademarks, logos and service marks displayed on the web site are the property of HarpLoanDirect.com and/or other parties. Other product and company names mentioned herein, including the names of any government sponsored programs may be the trademarks of their respective owners.

No Unlawful or Prohibited Use

As a condition of your use of this web site, you warrant to HarpLoanDirect.com that you will not use this web site or any information contained on the web site for any purpose that is unlawful or prohibited by these Terms of Use, and that you will not access this web site or use materials or services available on this web site from territories where such access or use is illegal.

Links to Other Internet Sites

The Websites may contain links to websites maintained by third parties. Such links are provided for your convenience and reference only. HarpLoanDirect.com’s inclusion of a link to a website does not imply any endorsement of the services or the website, its contents, or its sponsoring organization. When you leave this website, please note that HarpLoanDirect.com is not responsible for the accuracy or content of the information provided by that website, nor is it liable for any direct or indirect technical or system issues arising out of your access to or use of third party technologies or programs available through that website.

No Warranties & Indemnification

As a condition of use of this website, you agree to indemnify HarpLoanDirect.com and its suppliers, Lenders, Providers or real estate professionals from and against any and all liabilities, expenses (including attorneys’ fees) and damages arising out of claims resulting from your use of HarpLoanDirect.com, including without limitation any claims alleging facts that if true would constitute a breach by you of this Agreement.Use of this web site and its contents are at the user’s sole risk.  HarpLoanDirect.com assumes no responsibility for consequences from the use of the information herein, or in any respect for the content of such information, including, but not limited to, delays, errors or omissions, the accuracy or reasonableness of information, the defamatory nature of statements, ownership of copyright or other intellectual property rights, and the violation of property, privacy or personal rights of others. HarpLoanDirect.com is not responsible for, and expressly disclaims all liability for, damages of any kind arising out of use, reference or reliance on such information. Information on this site is provided as is. Without warranty of any kind, either express or implied, including without limitation the implied warranties of merchantability, fitness for a particular purpose, and non-infringement. In no event will HarpLoanDirect.com, affiliates, contractors, or their respective employees be liable under any contract, tort, negligence, strict liability or other claim for any direct, indirect, incidental, special, consequential or exemplary damages, including but not limited to damages for loss of profits, goodwill, use, data or other intangible losses (even if advised of the possibility of such damages) resulting from the use of or the inability to use the web site, site content or any products or services, or any failure of performance, error, omission, interruption, effect, delay in operation or transmission, computer virus, line system failure, loss of data, or loss of use related to this web site or any web site operated by any third party.


HarpLoanDirect.com reserves the right to change the Terms of Use and modify the contents of the web site without notice.

Governing Law

You agree that disputes arising out of or relating to the contents or use of this web site are to be governed by the laws of the United States of America. You consent to the exclusive jurisdiction of courts sitting in the State of California in all disputes arising out of or relating to the contents or use of this web site.


If any part of this agreement is determined to be unenforceable by a court of competent jurisdiction, the unenforceable portion will be modified by the court solely to the extent necessary to cause such portion to be enforceable, and the remainder of the agreement shall continue in full force and effect. This agreement constitutes the entire agreement between you and HarpLoanDirect.com with respect to the use of this web site and it supersedes all prior or contemporaneous communications and proposals, whether electronic, oral or written, between you and HarpLoanDirect.com with respect to this web site. A printed version of this agreement shall be admissible in judicial or administrative proceedings based upon or relating to this agreement to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form.

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