Who is eligible?
1. Your loan must be owned or guaranteed by Fannie Mae or Freddie Mac.
2. Your loan must have been sold to Fannie Mae or Freddie Mac before April 1, 2009.
3. You haven’t already refinanced under HARP or you refinanced under the program between March and May 2009.
4. Your loan-to-value ratio must be higher than 80 percent.
5. You haven’t been late with a mortgage payment
6. You’re refinancing your primary residence.
7. You must benefit.
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