HARP 2.0 and DU Refi Plus

Learn how enhancements to the DU Refi Plus program as a result of HARP 2.0 will result in many California homeowners being eligible to refinance.

HARP and California Condo's

With HARP 2.0, even California Condo projects that have lost their value are eligible for a refinance to a lower rate.

Am I Eligible for HARP 2.0

Learn whether you are eligible for the new HARP 2.0 program, which has no loan to value restrictions.

California Refinance with No Equity is Possible with HARP 2.0


The Home Affordable Refinance Program, or HARP for short, has been around since 2009. But while previous versions of HARP have been helpful to some, for California (along with some other “sand states”), many homeowners have been left out. HARP is a government run program, widely attributed to President Obama. Sometimes called the “Obama Refi”, HARP allowed for homeowners to refinance even if they had lost some or all of their homes equity. But in previous versions there was a cap to the maximum loan to value allowed. Many lenders ¬†were capped at 105% loan to value, although it was possible for the current loan servicer to go as high as 125% loan to value. But in areas where values have dropped anywhere from 30% to 50% or more, 125% loan to value as still not enough. But now, HARP 2.0 to the rescue with Unlimited Loan to Values possible.

Let Me Guide You Through the California Home Affordable Refinance Program Loan Process

The HARP loan process is easy, especially if you are working with a lender who understands the program. And while it is possible to contact your current lender, many find it difficult to get the answers they need. And in many cases, difficult to even get their lender to answer the phone. That is where I come in. I work for a direct lender, Emery Financial Group, a division of W.J. Bradley Mortgage Capital, LLC. We are a direct lender with a branch office in Orange County, CA. I do everything in my power to make sure my clients are educated up front in the loan process, as well as the benefits (or not) of a refinance. As you will learn throughout this website, the HARP program is allowing homeowners who currently have Fannie Mae or Freddie Mac fixed rates of 5%, 6%, and higher to refinance to the currently low rates of 2012.

Call 949-829-1846 for Personalized HARP Information

The first step is to contact me, either by completing the form on the right side bar of this page, or calling my Google Voice phone number 949.829.1846. I am available to answer questions, and after a quick conversation will prepared custom loan scenarios along with a personalized video which will analyze the savings you will achieve by taking advantage of the HARP program. In the next 30 days you could start saving hundreds of dollars a month and thousands a year. If another lender tells you it will take 60 or 90 days to close your loan then it is time to call someone who will focus on your loan.

SoCalHARPRefinance.com will prove to be a great source of information for learning how California homeowners can take advantage of the low rates, even if their equity position is “upside down” or “underwater”.