Apply for HARP
Applying for the Home Affordable Refinance Program (HARP) is similar to a conventional refinance. You will need to first speak with a loan officer or submit your information below to confirm HARP eligibility then you can begin the process of submitting and application to lower your payments.
The information needed for your HARP application includes:
- Income statements proving your pre-tax monthly gross income, which should include one month of paystubs, if you receive them from your employer, and any documentation that will prove your income such as a Social Security Awards Letter.
- W2 statements from the previous two years income tax filings.
- Existing mortgage information and all documentation regarding the liens terms and conditions. Your current mortgage “note” will be required to prove your current interest rate and origination date.
- Two forms of Identification including a Social Security Card and Driver’s License.
- Bank Account Statements for the previous two months. Be sure to supply all pages of your statements and to write a letter of explanation for any large deposits over $500.00.
Complete documentation is a crucial part of qualifying for the HARP refinance program. The more detailed information you provide to your Riverbank Finance loan officer for your application, the more smoothly your refinance process will be. The success of your HARP refinance application depends upon your financial condition, the documentation you decide to attach with your application and the overall amount of details you provide. Please direct any documentation questions to your loan officer by calling 1-800-555-2098.