HARP Lenders
Refinancing Through HARP with Your Current Lender
If Freddie Mac owns your mortgage and you are interested in refinancing under the federal Home Affordable Refinance Program (HARP), your lender may be able to work with you and determine your eligibility.
Get Started
- Visit our secure Loan Look-up tool to see if Freddie Mac owns your loan.
- Reach out to your existing lender as soon as possible and let them know you are interested in refinancing through HARP. Refinancing through your existing lender provides the most streamlined processing. For your convenience, we provide contact information for many lenders that work with their existing borrowers for a HARP refinance in the listing below.
- If your lender is not listed below, it doesn't mean they don't offer HARP. Reach out to them using the contact information on your monthly mortgage payment and ask if they offer HARP.
- If your lender does not offer HARP, review our list of additional HARP lenders to find a lender that may be able to help you.
Important Notes
- Our published list of participating lenders is not a comprehensive list of all Freddie Mac-approved lenders offering HARP.
- When talking with your lender, note that they may use a different name for their HARP offering.
| Company Name | Contact Info |
|---|---|
| 1st 2nd Mortgage Co. | Website: https://www.facebook.com/1st2ndMortgage |
| 66 Federal Credit Union | Website: https://www.66fcu.org |
| Affinity Plus Federal Credit Union | Website: https://www.affinityplus.org/ |
| AimLoan.com | Website: http://www.aimloan.com/?s=freddiemac |
| Algonquin State Bank, NA | Website: https://www.algonquinstatebank.com |
| American Federal Savings Bank | Website: https://www.americanfederalsavingsbank.com |
| American First Credit Union | Website: amerfirst.org |
| Arvest Mortgage Company | Website: https://www.arvest.com/ |
| Bangor Savings Bank | Website: http://www.bangormortgage.com/Default.aspx |
| Bank of America, N.A. | Website: https://www.bankofamerica.com/home-loans/refinance/overview.go |
| Bank of Jamestown | Website: http://www.bankofjamestown.com |
| Bank of Oklahoma | Website: https://www.bankofoklahoma.com/en/Personal/index.page |
| Bank of Wisconsin Dells | Website: https://www.Dellsbank.com |
| Banner Bank | Website: https://www.bannerbank.com |
| BMO Harris Bank N.A. | Website: https://www4.harrisbank.com/us |
| Branch Banking & Trust Company | Website: http://www.bbt.com/bbtdotcom/lending/mortgage/default.page |
| Byron Bank | Website: http://www.byronbank.com/ |
| Cape Cod Five Cents Savings Bank | Website: https://www.capecodfive.com/home/home |
| Centier Bank | Website: https://www.centier.com/mortgage |
| Century Bank and Trust | Website: http://www.centurybankandtrust.com |
| Central National Bank | Website: https://www.centralnational.com/ |
| Central Pacific Bank | Website: https://www.centralpacificbank.com/Personal/Products/Mortgage-Loans.aspx |
| Chase | Website: https://www.chase.com |
| Chelsea Bank | Website: http://www.cpcbank.com |
| Chemical Bank | Website: http://chemicalbankmi.com/ |
| CitiMortgage, INC. | Website: https://www.citimortgage.com |
| Citizens Bank & Trust Company | Website: http://www.cbtky.com |
| Citizens Bank of Mukwonago | Website: http://www.citizenbank.com/ |
| Colonial Savings, F.A. | Website: http://www.colonialsavings.com/ |
| CommunityAmerica Credit Union | Website: https://www.cacu.com |
| Coventry Credit Union | Website: http://www.coventrycu.org |
| CUSO Development/Member Advantage Mortgage, LLC | Website: https://www.memberadvantagemortgage.com |
| CUSO Mortgage Corporation | Website: http://www.cusomortgagecorp.com |
| Dairy State Bank | Website: http://www.dairystatebank.com |
| Devon Bank | Website: https://www.devonbank.com |
| Direct Federal Credit Union | Website: http://www.direct.com |
| Dollar Bank, F.S.B. | Website: http://www.dollarbank.com |
| Edgewater Bank | Website: https://www.edgewaterbank.com |
| Embrace Home Loans, Inc | Website: https://www.Embracehomeloans.com |
| ESL Federal Credit Union | Website: https://www.esl.org |
| EverBank | Website: https://www.everbank.com |
| Evergreen Federal S & L | Website: http://www.evergreenbanking.com |
| Fifth Third Bank | Website: https://www.53.com |
| First Bank and Trust Company | Website: https://www.firstbank.com/#/home |
| First Farmers Bank & Trust | Website: http://www.ffbt.com/ |
| First Federal Bank of Florida | Website: https://www.ffsb.com/home.aspx |
| First Federal Bank of the Midwest | Website: https://www.first-fedbanking.com/ |
| First Federal Savings Bank | Website: https://www.firstfederalbanking.com/home/home |
| First Federal Savings Bank of Twin Falls | Website: http://www.firstfd.com/2062/mirror/index.htm |
| First National Bank | Website: http://www.fnbmtg.com/Default.aspx |
| First National Community Bank | Website: https://www.fn-cb.com |
| First Safety Bank | Website: http://www.firstsafetybank.com |
| First State Bank of Middlebury | Website: http://www.fsbmiddlebury.com |
| Firstbank | Website: http://www.firstbankmi.com |
| FirstMerit Mortgage Corporation | Website: https://www.firstmerit.com/personal/index.aspx |
| Flagstar Bank, FSB | Website: https://www.flagstar.com |
| Gilpin Financial Services, Inc. | Website: http://www.gilpin.com/ |
| Greenlight Financial Services | Website: http://www.greenlightloans.com |
| Guardian Mortgage Company, INC. | Website: http://www.guardianmortgageonline.com/ |
| Guidance Residential, LLC | Website: http://www.guidanceresidential.com/ |
| Hillsdale County National Bank | Website: http://www.countynationalbank.com/ |
| Home Savings & Loan Company of Youngstown | Website: https://www.homesavings.com/ |
| HomeStar Bank and Financial Services | Website: http://www.homestarbank.com |
| HomeStreet Bank | Website: http://HomeStreet.com |
| Homeward Residential, INC. | Website: https://www.gohomeward.com/servicing/home.asp |
| Hoosier Hills Credit Union | Website: http://www.hoosierhills.com |
| HSBC Bank USA, N.A. | Website: https://www.hsbcmortgageservices.com/home |
| Hudson Valley Federal Credit Union | Website: https://www.hvfcu.org/ |
| Huntington Bank | Website: https://www.huntington.com/ |
| Independent Bank | Website: http://www.independentbank.com/ |
| Isabella Bank | Website: https://www.isabellabank.com/ |
| James B. Nutter & CO. | Website: http://www.jamesbnutter.com/ |
| Johnson Bank | Website: http://www.johnsonbank.com/ |
| Kentucky Bank | Website: http://www.kybank.com |
| Lake Michigan Credit Union | Website: http://www.lmcu.org/mortgage/refinance/refinance.aspx |
| Lakeview Loan Servicing, LLC | Website: http://www.lakeviewloanservicing.com |
| Land Home Financial Services | Website: https://www.lhfinancial.com/HARP/ |
| Landmark Credit Union | Website: https://www.landmarkcu.com/ |
| Les Bois Credit Union | Website: http://www.lesboiscu.org |
| Liberty Savings Bank, FSB | Website: http://www.libertysavings.com/ |
| M&T Bank | Website: https://www.mtb.com/customerservice/Pages/harp.aspx |
| MainSource Bank | Website: https://www.mainsourcebank.com/index.htm |
| Member First Mortgage | Website: http://www.memberfirstmortgage.com |
| Meredith Village Savings Bank | Website: https://www.mvsb.com |
| Milford Federal Savings & Loan Association | Website: http://www.milfordfederal.com/ |
| Monarch Community Bank | Website: http://www.monarchcb.com/ |
| Mountain American Federal Credit Union | Website: http://www.macu.com/home/homeloans |
| Nationstar Mortgage, LLC | Website: https://www.nationstarmtg.com |
| Navy Federal Credit Union | Website: https://www.navyfederal.org |
| New Carlisle Federal Savings Bank | Website: http://www.newcarlislefederal.com |
| North Shore Bank FSB | Website: http://www.northshorebank.com/ |
| North Valley Bank | Website: http://www.novb.com |
| Northwest Bank of Rockford | Website: http://www.northwestbankrockford.com/ |
| Panhandle State Bank | Website: http://www.panhandlebank.com |
| Park National Bank | Website: https://www.parknationalbank.com |
| Park View Federal Savings Bank | Website: https://www.parkviewfederal.com/ |
| PennyMac | Website: http://pennymacusa.com/harp-refinance |
| Peoples State Bank of Munising | Website: http://www.bankatpsb.com/ |
| PNC Bank | Website: https://www.pncmortgage.com/harp |
| Popular Mortgage INC. | Website: http://www.popular.com/ |
| Provident Funding Associates, L.P. | Website: https://www.Providentfunding.com |
| Pyramax Bank | Website: https://www.pyramaxbank.com |
| RBS Citizens, NA | Website: http://www.citizensbank.com/mortgages/default.aspx |
| Regions Bank | Website: https://www.regions.com/mortgage.rf |
| Riverview Community Bank | Website: http://www.riverviewbank.com |
| Royal Credit Union | Website: http://www.rcu.org/ |
| Scotiabank de Puerto Rico | Website: http://www.scotiabankpr.com |
| Seattle Metropolitan Credit Union | Website: https://www.smcu.com |
| SECU of Maryland | Website: https://www.secumd.org/html/secu/lower.htm?page=loans.mortgage |
| Sovereign Bank, N.A. | Website: http://www.sovereignbank.com/ |
| St. Tammany Homestead Savings & Loan Association | Website: http://www.sttammanyhomestead.com |
| Standard Mortgage Corporation | Website: http://stanmor.com/ |
| State Bank of Cross Plains | Website: http://www.crossplainsbank.com |
| State Financial Network | Website: http://www.sfninc.com |
| Stephens Federal Bank | Website: http://www.stephensfederalbank.com |
| Sterling Savings Bank | Website: https://www.bankwithsterling.com/ |
| Stillman Banccorp, N.A. | Website: http://www.stillmanbank.com/ |
| SunTrust Mortgage, INC. | Website: https://www.suntrustmortgage.com/ |
| Superior Choice Credit Union | Website: http://www.superiorchoice.com |
| The Baraboo National Bank | Website: https://www.baraboonational.com |
| The Bryn Mawr Trust Company | Website: https://www.bmtc.com |
| The Dime Bank | Website: http://www.thedimebank.com |
| The Farmers & Merchants State Bank | Website: https://www.fm-bank.com/ |
| The LaPorte Savings Bank | Website: http://www.laportesavingsbank.com |
| The National Bank & Trust Company OF Sycamore | Website: https://www.banknbt.com |
| The Palmetto Bank | Website: https://www.palmettobank.com |
| The Union Bank Company | Website: http://www.theubank.com |
| Thrivent Federal Credit Union | Website: https://www.thriventcu.com |
| Thumb National Bank & Trust Co. | Website: https://www.thumbnational.com |
| Timberland Bank | Website: https://timberlandbank.com/ |
| Tri Counties Bank | Website: https://www.tcbk.com/ |
| Tri-County Bank | Website: http://www.tri-countybank.com |
| Tropical Financial Credit Union | Website: https://tropicalfcu.mortgagewebcenter.com/Default.asp?bhcp=1 |
| U.S. Bank N.A. | Website: https://www.usbank.com/mortgage/learning/making-home-affordable.html |
| Ulster Savings Bank | Website: https://www.ulstersavings.com/home/home |
| Umpqua Bank | Website: http://umpquabank.com |
| Union Savings Bank | Website: http://www.usavingsbank.com/ |
| Union State Bank | Website: http://www.unionstatebank.org |
| United Bank | Website: http://www.accessunited.com |
| United Bank Mortgage Corporation | Website: https://www.unitedbankofmichigan.com |
| Valley Bank of Kalispell | Website: http://www.valleybankmt.com |
| Village Mortgage Company | Website: http://www.villagemtg.com |
| Wall Street Mortgage Bankers Ltd. Power Express | Website: http://www.powerexpressmortgage.com |
| Weichert Financial Services | Website: http://www.weichertfs.com |
| Wells Fargo Bank, N.A. | Website: https://www.wellsfargo.com/mortgage/loan-programs/refinancing-programs |
| Wells Federal Bank | Website: http://www.wellsfederal.com |