Home Affordable Refinance Program

If your home value went down and your interest rate is still high, we may have a solution. If Fannie Mae or Freddie Mac owns or guarantees your mortgage, the Home Affordable Refinance Program (HARP) may be able to help.

TwinStar Credit Union has partnered with Fannie Mae and Freddie Mac to offer the HARP program to our members.

Refinancing can help homeowners by initiating a new mortgage loan with better terms to pay off and replace the current loan. Certain criteria apply:

• the current mortgage is owned by Fannie Mae or Freddie Mac
  (click the links to check your loan);
• your loan note date must be no later than May 31, 2009;
• and loan payments are current with no late payments in the last 6 months and no more than one late payment in the last 12 months.*

If you meet these criteria, ask one of TwinStar's trusted mortgage loan professionals if you could qualify for a HARP loan.