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Home Affordable Relief Program (HARP)

The Utah HARP Mortgage Loan Refinance program is available to Utah Homeowners to refinance their Utah mortgage even if they are upside down on their home. If you're not behind on your mortgage payments but have been unable to get traditional refinancing because the value of your home has declined, you may be eligible to refinance through the Home Affordable Refinance Program (HARP). HARP is designed to help you get a new, more affordable, more stable mortgage.


You may be eligible for HARP if you meet all of the following criteria:

  • The mortgage must be owned or guaranteed by Freddie Mac or Fannie Mae.
  • The mortgage must have been sold to Fannie Mae or Freddie Mac on or before May 31, 2009.
  • The mortgage cannot have been refinanced under HARP previously unless it is a Fannie Mae loan that was refinanced under HARP from March-May, 2009.
  • The current loan-to-value (LTV) ratio must be greater than 80%.
  • The borrower must be current on the mortgage at the time of the refinance, with a good payment history in the past 12 months.

*Eligibility criteria are for guidance only.



The Mortgage Solutions TEAM are experts in HARP Financing in Utah and can help you take advantage of these historically low mortgage rates. All mortgage lenders DO NOT offer the same type of HARP refinances. Many are limited or have overlays that could prohibit you from taking advantage of all of the HARP benefits. Let one of our HARP Mortgage Experts show you the very best HARP options available for you. Contact us today to get started!




Get approved for a Utah HARP Refinance Loan by clicking on the Quick App Below! If you would like to have someone contact you, complete the contact form and one of our Utah HARP financing experts will contact you within minutes to explore your options.




Mortgage Solutions TEAM
at Christian Roberts Mortgage
512 E. Winchester
Murray, Ut 84107
Ph 801.716.5246
Alt 801.716.5251