Getting to Know the TRU

Home Affordable Refinance Program (HARP)

Authorized by the Federal Housing Finance Agency (FHFA), HARP was designed in 2009 to assist homeowners in refinancing their mortgages - even if they owe more than the home's current value.

Key benefits include:

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Reducing monthly principal and interest payments

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Reducing interest rates

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Reducing the amortization period to increase equity

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Migrating from a more risky loan structure, such as an interest-only mortgage or short-term adjustable rate mortgage, to a more stable, less variable product

Lower Monthly Payments with TRU

On average, homeowners are saving over $220* a month with a HARP refinance. Even if you have been turned down before, or have a low credit score or income, you may qualify with TRU Mortgage.

Are You Eligible?

A TRU Specialist will contact your to evaluate your savings options:

You are current on your mortgage

Your home is your primary residence, second home, or investment property

Your current loan-to-value is greater than 80%

Your loan is owned by Freddie Mac or Fannie Mae (not to be confused with your servicer, whom you submit payments to each month)