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Help for Underwater Homeowners

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 with the Home Affordable Refinance Program (HARP), available through Waterstone Mortgage.  

A HARP Refinance may be just what you need to lower your interest rate or shorten your loan term.

  • No limit on maximum loan to value for most mortgages
  • Mortgage insurance not required in most cases
  • Reduction or elimination of some fees 

Am I Eligible?

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

  • Your home must be backed by Fannie Mae or Freddie Mac.
  • You must be current on your mortgage and have a good payment history in the last 12 months.
  • You have not already refinanced through HARP. 

Where Do I Start?

The best thing to do is contact us for a free consultation. We’ll tell you in a few minutes if a HARP Refinance is right for you and quickly pre-approve you free of charge.


Contact Information
Tina Arttus
Loan Originator NMLS #1611472
Office: (715) 384-3838
Cell: (608) 790-7495
Fax: (715) 384-3888
Email: Send Email
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