Sacramento HARP Refinance

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HARP refinance Sacramento | HARP mortgage Sacramento | HARP program Sacramento

The Home Affordable Refinance Program (HARP 2) is well under way.  As you may know, this is the Fannie Mae / Freddie Mac endorsed refinance program that allows homeowners to refinance regardless of the value of their home.

The HARP refinance Sacramento program is equivalent to a scenario where a home owner has ample equity to refinance without mortgage insurance and at record low interest rates.

Of course the HARP 2 refinance program is available outside Sacramento, CA.  In fact, it’s available nationwide.

I am writing this to speak directly to Sacramento homeowners since Sacramento was one of the hardest hit cities in California and nationwide.  In order to qualify for the HARP refinance Sacramento program here are a few basic criteria

Your loan must be a Fannie Mae or Freddie Mac loan (check your loan here)

Fannie / Freddie must have purchased the loan by May 1, 2009 (I can check this for you)

Your mortgage history for 12 months must be clean; no lates in 6 months; 1 late in 12 months


The HARP refinance Sacramento will help thousands of Sacramento homeowners – perhaps tens of thousands.  There have been some homeowners who have saved over $700 per month on their mortgage payment!  Rates are still really low.

 Click here for a FREE rate quote on the HARP refinance Sacramento.
If you have mortgage insurance on your current loan, you will likely still qualify for the HARP refinance Sacramento as nearly every mortgage insurance company participates in the HARP refinance program.

Recently, the greater Sacramento area has seen Real Estate values increase.  Many homeowners who used to be “upside down” on their home now have equity.   It’s possible many of these homeowners can qualify for a traditional refinance and save thousands of dollars.

If you are looking to refinance, especially if you’re upside down on your mortgage, give me a call at either 916.899.6868 or 916.276.7618.  Or you can email me at

Justin Lees
NMLS 110154
Sales Manager
W.J. Bradley Mortgage, LLC

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