{"id":209170,"date":"2023-12-09T22:57:37","date_gmt":"2023-12-09T22:57:37","guid":{"rendered":"https:\/\/namso-gen.co\/blog\/does-harp-refinance-require-appraisal\/"},"modified":"2023-12-09T22:57:37","modified_gmt":"2023-12-09T22:57:37","slug":"does-harp-refinance-require-appraisal","status":"publish","type":"post","link":"https:\/\/namso-gen.co\/blog\/does-harp-refinance-require-appraisal\/","title":{"rendered":"Does HARP refinance require appraisal?"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_62 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/namso-gen.co\/blog\/does-harp-refinance-require-appraisal\/#The_Answer_is_No\" title=\"The Answer is No!\">The Answer is No!<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/namso-gen.co\/blog\/does-harp-refinance-require-appraisal\/#FAQs_about_HARP_Refinance\" title=\"FAQs about HARP Refinance:\">FAQs about HARP Refinance:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/namso-gen.co\/blog\/does-harp-refinance-require-appraisal\/#1_What_is_HARP_Refinance\" title=\"1. What is HARP Refinance?\">1. What is HARP Refinance?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/namso-gen.co\/blog\/does-harp-refinance-require-appraisal\/#2_Who_is_Eligible_for_HARP_Refinance\" title=\"2. Who is Eligible for HARP Refinance?\">2. Who is Eligible for HARP Refinance?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/namso-gen.co\/blog\/does-harp-refinance-require-appraisal\/#3_How_Does_HARP_Refinance_Benefit_Homeowners\" title=\"3. How Does HARP Refinance Benefit Homeowners?\">3. How Does HARP Refinance Benefit Homeowners?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/namso-gen.co\/blog\/does-harp-refinance-require-appraisal\/#4_Can_You_Get_Cash_Out_with_a_HARP_Refinance\" title=\"4. Can You Get Cash Out with a HARP Refinance?\">4. Can You Get Cash Out with a HARP Refinance?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/namso-gen.co\/blog\/does-harp-refinance-require-appraisal\/#5_Does_HARP_Refinance_Require_Mortgage_Insurance\" title=\"5. Does HARP Refinance Require Mortgage Insurance?\">5. Does HARP Refinance Require Mortgage Insurance?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/namso-gen.co\/blog\/does-harp-refinance-require-appraisal\/#6_Are_Closing_Costs_Higher_for_HARP_Refinance\" title=\"6. Are Closing Costs Higher for HARP Refinance?\">6. Are Closing Costs Higher for HARP Refinance?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/namso-gen.co\/blog\/does-harp-refinance-require-appraisal\/#7_Can_You_Have_a_HARP_Refinance_with_a_Second_Mortgage\" title=\"7. Can You Have a HARP Refinance with a Second Mortgage?\">7. Can You Have a HARP Refinance with a Second Mortgage?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/namso-gen.co\/blog\/does-harp-refinance-require-appraisal\/#8_Is_HARP_Refinance_Available_for_Investment_Properties\" title=\"8. Is HARP Refinance Available for Investment Properties?\">8. Is HARP Refinance Available for Investment Properties?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/namso-gen.co\/blog\/does-harp-refinance-require-appraisal\/#9_How_Long_Does_a_HARP_Refinance_Take_to_Close\" title=\"9. How Long Does a HARP Refinance Take to Close?\">9. How Long Does a HARP Refinance Take to Close?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/namso-gen.co\/blog\/does-harp-refinance-require-appraisal\/#10_Can_You_Refinance_with_HARP_Multiple_Times\" title=\"10. Can You Refinance with HARP Multiple Times?\">10. Can You Refinance with HARP Multiple Times?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/namso-gen.co\/blog\/does-harp-refinance-require-appraisal\/#11_Is_Credit_Score_a_Factor_in_HARP_Refinance\" title=\"11. Is Credit Score a Factor in HARP Refinance?\">11. Is Credit Score a Factor in HARP Refinance?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/namso-gen.co\/blog\/does-harp-refinance-require-appraisal\/#12_What_Happens_if_You_Miss_Payments_During_HARP_Refinance\" title=\"12. What Happens if You Miss Payments During HARP Refinance?\">12. What Happens if You Miss Payments During HARP Refinance?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"The_Answer_is_No\"><\/span>The Answer is No!<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>If you&#8217;re considering a HARP refinance, you&#8217;ll be pleased to know that it does not require an appraisal. The Home Affordable Refinance Program (HARP) was established by the federal government to help underwater homeowners refinance their mortgages, even if they owe more than their homes are worth.<\/p>\n<p>HARP allows borrowers to refinance without the need for a new appraisal because the program is designed to help homeowners who may not have enough equity in their homes due to a decrease in property values. By eliminating the need for an appraisal, HARP streamlines the refinance process, making it easier and more affordable for eligible homeowners to take advantage of lower interest rates.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"FAQs_about_HARP_Refinance\"><\/span>FAQs about HARP Refinance:<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<h3><span class=\"ez-toc-section\" id=\"1_What_is_HARP_Refinance\"><\/span>1. What is HARP Refinance?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nHARP stands for the Home Affordable Refinance Program, which is a government program designed to help homeowners refinance their mortgages, even if they owe more than their homes are worth.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_Who_is_Eligible_for_HARP_Refinance\"><\/span>2. Who is Eligible for HARP Refinance?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nTo be eligible for HARP refinance, you must have a mortgage owned by Fannie Mae or Freddie Mac, be current on your mortgage payments, and have a loan-to-value ratio greater than 80%.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"3_How_Does_HARP_Refinance_Benefit_Homeowners\"><\/span>3. How Does HARP Refinance Benefit Homeowners?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nHARP refinance allows homeowners to refinance their mortgages at lower interest rates, even if they owe more than the current value of their homes.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"4_Can_You_Get_Cash_Out_with_a_HARP_Refinance\"><\/span>4. Can You Get Cash Out with a HARP Refinance?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nNo, HARP refinance does not allow homeowners to take cash out of their homes. The primary goal of the program is to help homeowners lower their monthly mortgage payments.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"5_Does_HARP_Refinance_Require_Mortgage_Insurance\"><\/span>5. Does HARP Refinance Require Mortgage Insurance?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nIf your original loan did not have mortgage insurance, your HARP refinance will not require it either. However, if you had mortgage insurance on your original loan, it will be transferred to your new loan.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"6_Are_Closing_Costs_Higher_for_HARP_Refinance\"><\/span>6. Are Closing Costs Higher for HARP Refinance?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nClosing costs for HARP refinance are typically the same as for a traditional refinance. However, some lenders may offer reduced or waived closing costs for HARP-eligible borrowers.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"7_Can_You_Have_a_HARP_Refinance_with_a_Second_Mortgage\"><\/span>7. Can You Have a HARP Refinance with a Second Mortgage?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nYes, homeowners with second mortgages can still qualify for HARP refinance. However, the second mortgage lender must agree to subordinate their lien position to the new HARP loan.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"8_Is_HARP_Refinance_Available_for_Investment_Properties\"><\/span>8. Is HARP Refinance Available for Investment Properties?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nNo, HARP refinance is only available for primary residences and second homes. Investment properties are not eligible for the program.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"9_How_Long_Does_a_HARP_Refinance_Take_to_Close\"><\/span>9. How Long Does a HARP Refinance Take to Close?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nThe HARP refinance process typically takes around 30 to 45 days to close, though it can vary depending on the lender and individual circumstances.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"10_Can_You_Refinance_with_HARP_Multiple_Times\"><\/span>10. Can You Refinance with HARP Multiple Times?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nNo, homeowners can only refinance once through HARP. Once you have participated in the program, you are not eligible for another HARP refinance.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"11_Is_Credit_Score_a_Factor_in_HARP_Refinance\"><\/span>11. Is Credit Score a Factor in HARP Refinance?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nWhile credit score is considered as part of the underwriting process for HARP refinance, there is no minimum credit score requirement set by the program.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"12_What_Happens_if_You_Miss_Payments_During_HARP_Refinance\"><\/span>12. What Happens if You Miss Payments During HARP Refinance?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nIf you miss payments during the HARP refinance process, your application could be denied, and you may not be able to refinance through the program. It&#8217;s important to stay current on your mortgage payments during the refinance process to ensure eligibility.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>The Answer is No! If you&#8217;re considering a HARP refinance, you&#8217;ll be pleased to know that it does not require an appraisal. The Home Affordable Refinance Program (HARP) was established by the federal government to help underwater homeowners refinance their mortgages, even if they owe more than their homes are worth. HARP allows borrowers to &#8230; <\/p>\n<p class=\"read-more-container\"><a title=\"Does HARP refinance require appraisal?\" class=\"read-more button\" href=\"https:\/\/namso-gen.co\/blog\/does-harp-refinance-require-appraisal\/#more-209170\">Read more<span class=\"screen-reader-text\">Does HARP refinance require appraisal?<\/span><\/a><\/p>\n","protected":false},"author":53,"featured_media":107420,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[86279],"tags":[],"class_list":["post-209170","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-learn","no-featured-image-padding"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Does HARP refinance require appraisal?<\/title>\n<meta name=\"description\" content=\"The Answer is No! 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If you're considering a HARP refinance, you'll be pleased to know that it does not require an appraisal. 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Readers are strongly advised to exercise caution, verify information independently, and rely on their own judgment when considering the information provided. 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