HARP

What is HARP II?

The Home Affordable Refinance Program is a government-sponsored initiative designed to help borrowers with mortgage balances that exceed the value of their properties take advantage of today’s incredibly low mortgage interest rates.

A mortgage loan may be eligible for a HARP II refinance if it:

  • Is owned or guaranteed by Freddie Mac or Fannie Mae
  • Was sold to Freddie Mac or Fannie Mae on or before May 31, 2009
  • Was not previously refinanced under HARP
  • Has a loan to value (LTV) ratio that exceeds 80%
  • Is in good standing – good payment history for the last 12 months

You can determine if your mortgage loan is initially eligible by checking the Fannie Mae and Freddie Mac web sites or calling the special phone numbers they have set up for the program:

Fannie Mae: www.fanniemae.com/loanlookup or 1-800-7FANNIE

Freddie Mac: www.freddiemac.com/mymortgage or 1-800-FREDDIE

What's next?

If your loan is owned or guaranteed by Freddie Mac or Fannie Mae, complete and submit the form below and a SECU Mortgage Loan Officer will contact you to get the HARP refinance process started.

Not finding your loan on the Freddie or Fannie sites? Your mortgage may be owned by SECU and we may still be able to help. Please submit the contact form below and leave the Mortgage Owner section blank.

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Error Resolution and Information Requests

You have certain rights under Federal law related to resolving errors and requesting information about your loan account. In order to provide us with notice of an error on your loan account, or to request information about your loan account, please send us a written notice that contains (i) your name, (ii) your loan account number, and (iii) information concerning the error you believe has occurred or the information you are requesting about your loan. This written notice must be sent to the following address: SECU P.O. Box 2092, Glen Burnie, MD 21060.