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Working with Your Existing Lender

If Freddie Mac owns your mortgage and you are interested in refinancing under HARP, contact your existing lender (the company to which you send your monthly mortgage payments) to see if they are participating in the program. Since they already have your necessary files and documents, there are fewer requalification steps unless your principal and interest payment goes up more than 20%. No new appraisal is required in certain cases.

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 mortgage statement and ask if they offer HARP. You can also contact another lender that offers HARP to discuss your eligibility.

1st 2nd Mortgage Co.
Facebook
Phone: 800-562-6466 x248
Affinity Plus Federal Credit Union
Website
Phone: 800-322-7228
AimLoan.com
Website
Phone: 888-793-2167
American First Credit Union
Website
Phone: 800-290-1112
Arvest Mortgage Company
Website
Phone: 800-232-5524
Bangor Savings Bank
Website
Phone: 877-226-4671
Bank of America, N.A.
Website
Phone: 800-279-0358
Bank of Jamestown
Website
Phone: 270-343-3186
Bank of Oklahoma
Website
Phone: 800-947-7061
Bank of Wisconsin Dells
Website
Phone: 608-742-6176
Banner Bank
Website
Phone: 866-722-5110
BMO Harris Bank N.A.
Website
Phone: 888-482-3781
Branch Banking & Trust Company
Website
Phone: 888-946-8730
Byron Bank
Website
Phone: 815-234-2561
Cape Cod Five Cents Savings Bank
Website
Phone: 888-225-4636
Centier Bank
Website
Phone: 888-236-8437
Century Bank and Trust
Website
Phone: 517-278-1555
Central National Bank
Website
Phone: 888-262-5456
Central Pacific Bank
Website
Phone: 808-356-4000
Chase
Website
Phone: 800-228-4922
Chelsea Bank
Website
Phone: 617-884-5600
Chemical Bank
Website
Phone: 800-867-9757
CitiMortgage, INC.
Website
Phone: 800-248-4638
Citizens Bank & Trust Company
Website
Phone: 270-465-8193
Citizens Bank of Mukwonago
Website
Phone: 262-363-6500
Colonial Savings, F.A.
Website
Phone: 888-877-4440
CommunityAmerica Credit Union
Website
Phone: 800-892-7957
Coventry Credit Union
Website
Phone: 401-392-2363
CUSO Development/Member Advantage Mortgage, LLC
Website
Phone: 866-482-1414
CUSO Mortgage Corporation
Website
Phone: 800-360-2876
Dairy State Bank
Website
Phone: 888-235-5511 or 715-235-5511
Devon Bank
Website
Phone: 773-465-2500
Direct Federal Credit Union
Website
Phone: 781-433-2900 ext. 130
Dollar Bank, F.S.B.
Website
Phone: 800-344-5626
Edgewater Bank
Website
Phone: 269-429-2980
Embrace Home Loans, Inc
Website
Phone: 800-333-3004
ESL Federal Credit Union
Website
Phone: 585-336-1502
EverBank
Website
Phone: 877-436-4381
Evergreen Federal S & L
Website
Phone: 541-479-3351
Fidelity Bank
Website
Phone: 404-639-6500
Fifth Third Bank
Website
Phone: 866-351-5353
First American Bank
Website
Phone: 847-586-2401
First Bank and Trust Company
Website
Phone: 276-644-9900
First Farmers Bank & Trust
Website
Phone: 800-371-3316
First Federal Bank of Florida
Website
Phone: 386-755-0600
First Federal Bank of the Midwest
Website
Phone: 877-FOR-U1ST (367-8178)
First Federal Savings Bank
Website
Phone: 800-422-3372
First Federal Savings Bank of Twin Falls
Website
Phone: 800-278-9435
First National Bank of LaGrange
Website
Phone: 708-482-7700
First National Community Bank
Website
Phone: 715-246-6901
First Safety Bank
Website
Phone: 800-946-2265
First South Bank
Website
Phone: 888-993-8754
First State Bank of Middlebury
Website
Phone: 574-825-2166
FirstMerit Mortgage Corporation
Website
Phone: 800-562-6694 ext. 2280
Flagstar Bank, FSB
Website
Phone: 855-372-5626
Gilpin Financial Services, Inc.
Website
Phone: 302-656-5400
Greenlight Financial Services
Website
Phone: 866-66-FASTER
Guardian Mortgage Company, INC.
Website
Phone: 800-331-4799
Guidance Residential, LLC
Website
Phone: 866-484-3262
Hillsdale County National Bank
Website
Phone: 888-322-1088
Home Savings & Loan Company of Youngstown
Website
Phone: 888-822-4751
HomeStar Bank and Financial Services
Website
Phone: 815-468-BANK (2265)
HomeStreet Bank
Website
Phone: 800-719-8080
Hoosier Hills Credit Union
Website
Phone: 800-865-2612
HSBC Bank USA, N.A.
Website
Phone: 800-395-3489
Hudson Valley Federal Credit Union
Website
Phone: 845-463-3011
Huntington Bank
Website
Phone: 800-323-9865
Independent Bank
Website
Phone: 800-285-3111
Isabella Bank
Website
Phone: 800-651-9111
James B. Nutter & CO.
Website
Phone: 800-217-7334
Johnson Bank
Website
Phone: 800-661-2446
Kentucky Bank
Website
Phone: 800-467-1939
Lake Michigan Credit Union
Website
Phone: 800-242-9790, ext. 9912
Lakeview Loan Servicing, LLC
Website
Phone: 855-294-8535
Land Home Financial Services
Website
Phone: 800-388-6596
Landmark Credit Union
Website
Phone: 800-871-2110
Les Bois Credit Union
Website
Phone: 208-493-0160
Liberty Savings Bank, FSB
Website
Phone: 888-850-2265
M&T Bank
Website
Phone: 855-415-4277
MainSource Bank
Website
Phone: 800-713-6083 x26604
Mazon State Bank
Website
Phone: 815-448-2102
Member First Mortgage
Website
Phone: 866-898-1818
Member Mortgage Services, Ltd.
Website
Phone: 248-788-0800
Meredith Village Savings Bank
Website
Phone: 800-922-6872
Metro Credit Union
Website
Phone: 877-628-5626
Milford Federal Savings & Loan Association
Website
Phone: 800-478-6990
Mountain American Federal Credit Union
Website
Phone: 800-277-7703
Nationstar Mortgage, LLC
Website
Phone: 855-781-7998
Navy Federal Credit Union
Website
Phone: 888-842-6328
New Carlisle Federal Savings Bank
Website
Phone: 937-845-3636
North Shore Bank FSB
Website
Phone: 877-672-2265
North Valley Bank
Website
Phone: 800-390-8054
Northwest Bank of Rockford
Website
Phone: 815-229-9456
Panhandle State Bank
Website
Phone: 888-275-3434
Park National Bank
Website
Phone: 740-349-8633
PennyMac
Website
Phone: 866-549-3583
Peoples State Bank of Munising
Website
Phone: 906-387-2009
Pinnacle Capital Mortgage, LLC
Website
Phone: 916-865-2000
Platinum Home Mortgage Corporation
Website
Phone: 847-797-9500
PNC Bank
Website
Phone: 866-909-1730
Popular Mortgage INC.
Website
Phone: 877-244-0172
Provident Funding Associates, L.P.
Website
Phone: 800-696-8199
Pyramax Bank
Website
Phone: 414-421-8200
RBS Citizens, NA
Website
Phone: 800-234-6002
Regions Bank
Website
Phone: 877-536-3286
Riverview Community Bank
Website
Phone: 360-514-5041
Royal Credit Union
Website
Phone: 800-341-9911 ext. 7241
Scotiabank de Puerto Rico
Website
Phone: 787-767-8585
Seattle Metropolitan Credit Union
Website
Phone: 206-398-5888
SECU of Maryland
Website
Phone: 800-879-7328
Sovereign Bank, N.A.
Website
Phone: 877-729-4801
St. Tammany Homestead Savings & Loan Association
Website
Phone: 985-892-4565
Standard Mortgage Corporation
Website
Phone: 800-826-5801 Option 2
State Bank of Cross Plains
Website
Phone: 608-826-3550
State Financial Network
Website
Phone: 610-325-5002
Stephens Federal Bank
Website
Phone: 888-910-2265
Sterling Savings Bank
Website
Phone: 888-671-1113
Stillman Banccorp, N.A.
Website
Phone: 815-332-8100
SunTrust Mortgage, INC.
Website
Phone: 800-330-4684
Superior Choice Credit Union
Website
Phone: 800-569-4167
Superior Federal Credit Union
Website
Phone: 419-223-9746
The Baraboo National Bank
Website
Phone: 608-356-7703
The Bryn Mawr Trust Company
Website
Phone: 610-581-4818
The Dime Bank
Website
Phone: 570-253-1970
The Farmers & Merchants State Bank
Website
Phone: 800-451-7843
The LaPorte Savings Bank
Website
Phone: 219-362-7511
The Miners State Bank
Website
Phone: 906-265-5131
The National Bank & Trust Company OF Sycamore
Website
Phone: 815-895-2125
The Palmetto Bank
Website
Phone: 800-288-7975
The Union Bank Company
Website
Phone: 800-837-8111
Thrivent Federal Credit Union
Website
Phone: 866-226-5225 ext. 3550
Thumb National Bank & Trust Co.
Website
Phone: 866-862-3113
Timberland Bank
Website
Phone: 800-562-8761
Tri Counties Bank
Website
Phone: 800-922-8742
Tri-County Bank
Website
Phone: 800-346-9909
Tropical Financial Credit Union
Website
Phone: 888-261-8328
Truity Federal Credit Union
Website
Phone: 918-337-7684
U.S. Bank N.A.
Website
Phone: 866-445-4681
Ulster Savings Bank
Website
Phone: 866-440-0391
Umpqua Bank
Website
Phone: 866-470-2852
Union Savings Bank
Website
Phone:
Union State Bank
Website
Phone: 888-958-6466
United Bank
Website
Phone: 770-567-7211
United Bank Mortgage Corporation
Website
Phone: 616-559-7000
Valley Bank of Kalispell
Website
Phone: 406-752-7155
Village Mortgage Company
Website
Phone: 800-685-5243
Wall Street Mortgage Bankers Ltd. Power Express
Website
Phone: 800-826-2265
Weichert Financial Services
Website
Phone: 800-788-7338
Wells Fargo Bank, N.A.
Website
Phone: 866-898-1122
Wells Federal Bank
Website
Phone: 507-553-3151

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