Harp Loans

We are one of the best harp mortgage companies in Louisville, Kentucky

Harp Loans Kentucky

The Home Affordable Refinance Program (HARP) is a federal program of the United States to help underwater and near-underwater homeowners refinance their mortgages.

Why a Harp Loan?

HARP loan was a government program designed to help underwater homeowners refinance mortgages at more attractive interest rates.


Process of a Harp Loan

  1. Complete our simple HARP Loan Qualifier
  2. Receive options based on your unique criteria and scenario
  3. Compare mortgage interest rates and terms
  4. Choose the offer that best fits your needs
jumbo loans ky

Frequently Asked Questions

Is it possible to refinance with HARP if I have a second mortgage?

If you have a second mortgage, you can refinance through HARP. You cannot, however, combine your two mortgages in a cash-out refinance.

Your second mortgage lender must agree to subordinate its mortgage in order for you to refinance your first mortgage through HARP while keeping your second mortgage in tact. This is another way of saying that the second mortgage lender must permit you to take the place of the current first lien on the title.

Is it possible to refinance with HARP even if I have no equity in my home?

If you have no equity in your property, you can still use HARP to refinance it. The program’s idea is exactly that! No matter how much of their mortgage they are underwater on, homeowners can refinance. This is one among the factors contributing to the HARP refinance’s popularity in Phoenix, Arizona, Las Vegas, Nevada, and other hard-hit areas.

Ready for a Harp Loan?

Get pre-approved with LightPoint Mortgage in as little as 30 minutes.