Asked by PATRICK STEVEN BARANICK  |  Submitted July 15, 2014

I have received several offers to refinance, can you tell me which company to deal with?

1) HARP Refi
2) HARP Mortgage Saver
3) HARP Loans
4) HARP Mortgage Relief
5) Federal Home Relief
6) Home Affordable

Any information would be helpful, especially negative reports.

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  Answers  |  1

July 15, 2014

Hello Patrick:

It would appear that the list you have provided are not mortgage companies, but rather different names for the HARP refinance program. "HARP" stands for "Home Affordable Refinance Program" and it has 2 phases; we are in Phase 2. Many in the lending community have been waiting for Phase 3, but legislation has yet to be passed.

What you would want to do Patrick, is speak to friends and colleagues about a referral to a reputable mortgage company and loan officer. Almost all lenders offer the HARP program. Once you are connected with someone reliable, they can guide you through the qualification process for HARP.

Good luck.

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