The Home Affordable Refinance Program, also known as HARP, is a
federal program designed to help underwater and near-underwater homeowners refinance their mortgages. Unlike the Home Affordable Modification Program (HAMP), which aims to assist homeowners who are in danger of foreclosure, this program targets homeowners who are current on their monthly mortgage payments, but are unable to refinance due to declining home prices.

Qualifying criteria

Certain criteria must be met to qualify for HARP.

The mortgage must be owned or guaranteed by
Freddie Mac or Fannie Mae. Many homeowners are unaware that their mortgages are linked to one of these organizations, since neither Freddie Mac nor Fannie Mae deals directly with the public.


 For more information, please contact one of our mortgage specialists:


Chicago office:



Chris McAuliffe                        Nazir Gurukambal                         Saed Alsaadi                      
(773) 423-2337                      (773) 423-2305                           (773) 423-2307                     
cmcauliffe@devonbank.com    ngurukambal@devonbank.com    salsaadi@devonbank.com 
NMLS ID# 853553                   NMLS ID#  806661                        NMLS ID# 806665



Glenview, Wheeling offices: 



Roger Legner
(847) 947-3815

NMLS ID# 412697



St. Charles Office:



Jan Dimmig Olson                Chris Weis 
(630) 549-7081                  (630) 549-0925
jolson@devonbank.com      cweis@devonbank.com 

NMLS ID# 1004514             NMLS ID# 412714




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