Need Help? Call us now! (408) 610-8011 / Serving California, Colorado, Oregon & Washington!

FREE HARP Loan Pre-Approval

With a HARP Loan you could purchase a home for NO money down! Take the first step here by getting pre-approved quickly and easily!

HARP Loans – Underwater? Get Refinanced Fast!

Are you underwater on your home, but still current on your mortgage payments? It’s scary when you owe as much or more on your home as your home is actually worth. You feel like you are sinking deeper and deeper into a swamp and are running out of air. You may be struggling just to eat and pay your bills, and may even be falling behind on some of them. Your credit may be dropping. But hope isn’t lost.

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

What is HARP?

HARP is a refinancing program for homeowners with Fannie Mae or Freddie Mac loans. If you are not sure, you can look up your loan online, or even ask us to do it for you. A lot of homeowners do not even realize they have qualifying loans.

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

  • You can save thousands of dollars a year with a lower California home refinance 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 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.

FREE HARP LOAN QUALIFIER

If you qualify, we can make it happen. We want to get you back on your feet as quickly as possible.

We are here to answer any questions you might have, look up any information you may need, and facilitate the application process for speedy approval. There is no reason to wait another day when you could start saving money tomorrow! Give our office a call today at (408) 610-8011, or email us at [email protected].

Get Your FREE HARP Loan Quote Now!

I want my FREE HARP Loan Quote

SOME OF OUR SATISFIED CLIENTS

Anamitra Adhikari
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.
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
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.
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
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.
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
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.
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
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.
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
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.

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For assistance in choosing the right loan program for your unique situation.

Feel free to call Loan Application (408) 610-8011

SOME OF OUR SATISFIED CLIENTS

Anamitra Adhikari
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.
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
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.
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
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.
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
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.
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
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.
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
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.