Home Affordable Refinance Program (HARP)

To determine your eligibility and to refinance your loan with Service First Mortgage call (888) 419-0706 in Texas


HARP (Home Affordable Refinance Program) helps homeowners that are currently “under water” with their home’s value. If you fit the guidelines, you can take advantage of the HARP program and refinance while mortgage interest rates are at today's record lows. The Government made sweeping changes to the Lending Industry by creating the HARP Refinance Program. Never before have homeowners had the ability to refinance a mortgage that exceeds their home’s value (underwater mortgage). Current mortgage holders who didn’t think they could refinance because they had no equity are saving thousands of dollars using this program.

Option 1) Request information over the phone

Ask a mortgage banker licensed in your state. Our mortgage banker will use your address and other information to determine your eligibility. If you are eligible, the mortgage banker that you speak with can be your loan officer in completing the HARP loan program.

Option 2) Complete a request for information online

When we receive your information electronically, an Service First Mortgage banker, licensed in your state, will follow up with you by phone.  Your Service First Mortgage mortgage banker will use your address and other information to determine your eligibility.


More Information about the Home Affordable Refinance Program (HARP)

If you are a homeowner with a mortgage, the Home Affordable Refinance Program (HARP) is designed to assist you with refinancing your mortgage loan. Even if you owe more on your mortgage than the current market value of your home, you may be eligible for a HARP Loan. If you qualify for a HARP Mortgage Refinance, we can provide you with a new, more affordable mortgage loan. While a HARP loan is a great way to lower your loan payments, it is also a great program for reducing the term (length) of your loan or converting your ARM (adjustable rate mortgage) to a fixed-rate mortgage to increase your financial security. Service First Mortgage is a direct lender offering HARP refinance loans to homeowners who are eligible. We are also able to refinance your home loan if you have mortgage insurance (PMI) or don't have mortgage insurance.

HARP Loan Program Eligibility and Qualifications

If the value of your home has declined recently and you have been keeping up with your mortgage payments, you may be eligible to refinance your loan through Service First Mortgage and the HARP program. A few other factors must be considered to determine your eligibility for the HARP program. These include the date when you mortgage loan was closed, what entity guaranteed your loan, the amount of your loan and the value of your home. An Service First Mortgage mortgage banker, licensed in your state, will be happy to talk with you on the phone to help you determine if you are qualified for the HARP program.

How to Begin the HARP Loan Application Process

Step 1
Once you have called (888) 419-0706 in Mckinney Texas or completed an online application and a licensed mortgage banker in your state has contacted you by phone to determine that you are eligible for the HARP program, you will have the option to apply.

Step 2
You can apply right over the phone within 5-10 minutes, while talking to the mortgage banker who determined that you qualify for the HARP program. There are no fees or charges for applying for a HARP loan with Service First Mortgage.

Step 3
If you are eligible and you are approved for a HARP refinance loan, loan documentation will be sent to you by your choice of email, mail, fax, or e-signature technology. The HARP loan documentation sent to you by your mortgage banker should be signed and returned.

Step 4
Once your mortgage banker receives your signed HARP loan documentation, they will then keep you up-to-date by phone or email during the HARP loan closing process.

Step 5
Once your HARP refinance loan is ready for closing, your mortgage banker will schedule a closing date and time with you. At this time, a closing agent will meet with you, in-person, to sign the final closing documents.