HARP Refinance

I was able to wipe out the rest of my credit cards, get money to fix up my house, lower my interest rate, and knock 10 years off my house. Meridian was great.

Kenneth L., Oxon Hill, MD.

HARP Refinance

Home Affordable Refinance Program

HARP is a government mortgage refinance program created to help homeowners with little or no equity.

You may qualify even if:

  • You owe MORE than the value of your home (underwater)
  • You have little or no equity
  • You have been turned down for home mortgage loans in the past by home mortgage companies because of POOR CREDIT or HIGH DEBT RATIO


Finding it difficult to find refinancing home loans because of a declining home value? HARP aims to eliminate this obstacle. And with the roll out of HARP-2, even more homeowners will be able to qualify for loan refinancing.

Even if you have been recently turned down, the new enhanced HARP-2 program may be your answer

The HARP 2 Advantage

  • Unlimited loan-to-value (LTV) – even if you owe more than the value
  • Appraisal Waiver – An appraisal may not be required
  • No Mortgage Insurance – Mortgage insurance may not be required
  • Same low rates and pricing as other conventional loans (not true with every home mortgage company)

Who’s Eligible?

  • Homeowners whose existing loans are owned or guaranteed by Fannie Mae or Freddie Mac
  • Existing loan must have been originated prior to June 1st, 2009
  • Must be current on the mortgage at the time of refinance
  • No 30-day or more mortgage late payments in the past six months
  • No more than one 30-day late payment in the past 12 months

Unsure if Fannie or Freddie owns your mortgage? Call us today to find out

“Meridian Home Mortgage Company made the process on the refinance of my property very simple and easy.”

Why Act Now?

  • The program is only available for a limited time
  • Today’s rates are at or near historic lows
  • Unlike other home mortgage companies, we charge no out-of-pocket costs or upfront fees
  • Typically the loan refinancing process is shorter (especially with an appraisal waiver)