HARP Loans in California

Do You Qualify?

Can you get a HARP loan in California? If you meet the following criteria, you may qualify:

You are current on your mortgage and have had no more than a single 30 day+ late payment in the past 12 years (and none in the past 6 months).
Your home is your primary residence, a 1-unit second home, or a 1-4 unit investment property.
Your loan must be owned by either Fannie Mae or Freddie Mac. Don’t assume just because you got your loan through a bank that it isn’t a Fannie Mae or Freddie Mac loan. Many homeowners are surprised to find out they qualify.
Your loan must have originated either on or prior to May 31st, 2009. Again, lookup tools are available online, or we can look this information up for you.

So many California homeowners are struggling just to survive. A HARP loan can make all the difference in the world if you are in dire straits. Imagine being able to pay all your bills again each month without falling behind or worrying about where you will get the money to eat. Imagine not wondering how long it will be before the bank forecloses on you. Imagine being able to stay safely in your home with your family and enjoy living comfortably and securely again.

HARP Loans San Jose – Underwater?
Get Refinanced Fast!

Are you wanting to refinance your current mortgage but don’t think you have enough equity in your home to do so? Are you underwater on your home, but still current on your mortgage payments? It’s true, a conventional refinance will require there some some amount of equity but no longer. Not with the Home Affordable Refinance Program, or HARP.

HARP Loan Rate Qualifier

You may be able to get help through the San Jose HARP loan program!

What is HARP?

HARP is a refinancing program for homeowners with loans owned by Fannie Mae or Freddie Mac. Nearly two-thirds of all conforming loans made today are owned by either Fannie or Freddie. We can help with this, too.

Here are the main benefits of the Home Affordable Refinance Program (HARP):

You can save thousands of dollars a year with a lower home rate, and may also qualify for friendlier terms on your loan.
Closing costs can be packaged into your newly refinanced loan.
Credit plays no role in qualification. There is no minimum credit score!

Do You Qualify?

Can you get a HARP loan in California? If you meet the following criteria, you may qualify:

You are current on your mortgage and have had no more than one payment made more than 30 days past the due date within the last 12 months and no such lates within the last six.
Your home is your primary residence, a 1-unit second home, or a 1-4 unit investment property.
Your loan must be owned by either Fannie Mae or Freddie Mac. Don’t assume just because you got your loan through a bank that it isn’t a Fannie Mae or Freddie Mac loan. Many homeowners are surprised to find out they qualify.
Your loan must have originated either on or prior to May 31st, 2009. Again, lookup tools are available online, or we can look this information up for you.

A HARP loan can make all the difference in the world for those with little to no equity in their home. If you’re thinking of refinancing and wondering whether or not it makes sense, we can help answer that question with a conversation over the phone, with our refinance calculator or in my office.

Give our office a call today at (408) 599-3628, or email us at [email protected].

HARP Loan Rate Qualifier

C2 Financial Corporation - Shawn Sidhu

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Based on 65 reviews

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5.0

Based on 74 reviews

David A.

17:11 26 Mar 20

I couldn't be more pleased that I chose to use Shawn Sidhu from C2 Financial Corporation for my home refinance. The whole process was smooth and easy. They...

Ravi M.

00:05 10 Mar 20

https://getaquote.fyi has some recent great reviews about C2 as well as what quotes other people are getting

edward uy

06:16 25 Feb 20

I just closed my 1st home purchased with Shawn! Shawn started helping me from getting pre approved to agent recommendations few years back and despite challenges and failures he is always available to answer your questions and offer solutions. Our appraisal came in short, as kind of expected, but Shawn despite so busy able to pull it out and still offered different solutions. I'm so happy with what he came up with. I really appreciate his willingness, easy going, on-time, and dedication to do what he can to find and offer the best solutions possible. Glad to have his back!

Edward U.

22:11 24 Feb 20

I just closed my 1st home purchased with Shawn! Shawn started helping me from getting pre approved to agent recommendations few years back and despite...

Daric M.

20:09 11 Feb 20

Shawn and his team did a great refinancing our VA mortgage. They worked through the red tape efficiently and processed the required paperwork efficiently....

Andrew M.

17:09 08 Dec 19

I just completed my 2nd mortgage refinance (3rd mortgage overall) with Shawn. I can't say enough good things about Shawn and his staff. Shawn listened to...

Kari Churchill

17:38 08 Nov 19

It was a pleasure to do business with Shawn. He and his co-workers made sure that my loan application was handled well and quickly. He even helped me restructure the loan so that I could use some of the money to do some remodeling in my new home. It was a pleasure to do business with him.

Kari C.

13:11 07 Nov 19

It was a pleasure to do business with Shawn. He and his co-workers made sure that my loan application was handled well and quickly. He even helped me...

Megan T.

21:49 06 Nov 19

My husband and I had a fantastic experience with Shawn and the C2 team. We didn't have the most straightforward transaction but Shawn handled all the hoops...

Megan

20:32 06 Nov 19

Shawn was absolutely fantastic ! His communication skills were top notch and we couldn’t be happier. He allowed us to close early on a second property. He was able to do some extra research for other loan options on a complicated transaction and without him we wouldn’t have got it done.

Suresh A.

19:51 16 Oct 19

Shawn and Team Simply Awesome!!! Shawn is transparent and upfront in educating you on the options available. Once you opt for what best fits for your needs...

Khyati Patel

03:34 13 Sep 19

This was our second refi with Shawn. The process was smooth and flawless. Shawn got us a great 15Y refi rate!! Shawn and team did a speedy job on closing our loan! Shawn and team replied back to all of our questions via email within a few minutes. Thank you for the great service Shawn and team!! Highly appreciate your professionalism and quick close!!

Khyati P.

20:39 12 Sep 19

This was our second refi with Shawn. The process was smooth and flawless. Shawn got us a great 15Y refi rate!! Shawn and team did a speedy job on closing...

Jennifer Lu

17:48 01 Aug 19

Shawn did a great job to allow my husband and I to close on an investment property in the bay area. It closed in less than 30 days and the process was very efficient. We are very appreciate of Shawn's partnership in the process!

Jen I.

10:04 30 Jul 19

Shawn did a great job to allow my husband and I to close on an investment property in the bay area. It closed in less than 30 days and the process was very...

Hello T.

16:09 20 Jun 19

Shawn just helped me with refinances on a few of my properties. Prior to this I had got my loans through a bank. Let me tell you the experience was superior...

Anamitra Adhikari

03:35 29 May 19

Shawn and team did an amazing job in making sure that we close our loan in record time! The best part about working with Shawn (for a first time home buyer like me) was that he was always quick to respond to every query we had during the whole process. As a first time buyer, I did not feel any pressure throughout the process, since Shawn took care of the whole thing and made sure that we reach the closing line with ease. I would strongly recommend Shawn for any mortgage loan needs and hope to work with him again during our refinancing.

Anamitra A.

20:36 28 May 19

Shawn and team did an amazing job in making sure that we close our loan in record time! The best part about working with Shawn for a first time home buyer...

John Christopher

04:00 24 Apr 19

Working with Shawn was amazing! We closed our mortgage quickly and he was with us every step of the way. He was quick to respond to questions and was proactive at checking in with us. Shawn helped us navigate challenge of getting a Washington state home while our family is currently living in California. We highly recommend Shawn and C2 Financial for making the process painless!!

John C.

20:59 23 Apr 19

Working with Shawn was amazing! We closed our mortgage quickly and he was with us every step of the way. He was quick to respond to questions and was...

Ken Fernandez

21:30 13 Mar 19

Shawn and team moved mountains to solution my loan in an extremely short turn-around time. Nothing slipped throughout the entire process and communication was exactly what you hope for instead of biting your nails uncertain what to expect. I didn't have time to hand hold, but also needed quick answer to the questions I did have. Shawn had me covered on all fronts and it was a great crossing the finish line on time. Strongly recommend ! I wish he had a brother that works on cars :-)

Ken F.

14:41 13 Mar 19

Shawn and team moved mountains to solution my loan in an extremely short turn-around time. Nothing slipped throughout the entire process and communication...

myda714

04:31 02 Mar 19

We were referred by our realtor to Shawn for the financing of our home purchase. The whole process went very smooth! As stressful as buying a home is, this financing part of the process was easy. The online uploading of docs was straightforward, and we were always kept in the loop about progress and what to expect next. Will definitely keep Shawn and his team in mind for any future needs!

Myda W.

20:34 01 Mar 19

Our realtor referred us to Shawn for the financing of our home purchase. Shawn and his team were very professional and the process was very smooth and easy!...

Elizabeth R Barajas

02:13 10 Jan 19

Shawn is great! He helped us get our mortgage in just 28 days! We couldn't have asked for someone better to work with. He is a go-getter and won't stop until he helps you get the best for you. Shawn was available any time we needed to ask a question or when we had any concern. He also offered us a few options to choose from so we had control over our situation from the beginning. I highly recommend you give him a call. Thank you Shawn for all your help. We could definitely not have done it without you.

Eva R.

18:51 08 Jan 19

Shawn is great! He helped us get our mortgage in just 28 days! We couldn't have asked for someone better to work with. He is a go-getter and won't stop...

sophia reyes

01:27 03 Oct 18

I am so grateful to have found Shawn/C2 Financial! Words could not describe how blessed I feel to have found him! I was stuck in a financial situation that was tough for me to get out of, and had spoke to my credit union and one other bank, which advised me I had to wait another year before they were able to fund me. I found Shawn on Yelp, and based on his great reviews, I decided to follow through with him/C2 financial. I spoke to him around mid July and was funded by September! When I had been waiting on my Credit Union for 6 months before I decided to move on somewhere else!(Santa Cruz Credit Union if it means anything to anyone) Although he/it seemed to be a company with lots of clientele NEVER once! did I feel I was second to anybody. Even when he was on vacation he responded quickly to my emails when I really wasn't expecting him to. Shawn is truly a perfectionist in his profession, and a Blessing in disguise for me in my life. I will MOST DEFINITELY recommend Shawn/ C2 Financial to anybody and everybody! I could not thank you enough Shawn! I will definitely be doing business with you again in the near future :) Thank you!Sophia.