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Bank Owned Properties

Home Affordable Refinance Program (HARP)

In 2009, Fannie Mae introduced the first Home Affordable Refinance Program (HARP) to help borrowers who were unable to refinance their mortgage due to a high loan-to-value (LTV).  In December, 2011 the program was amended to widen the offering to borrowers with higher LTVs, even those who are "underwater" (owe more than their home is currently worth).  Borrowers and lenders participate in HARP voluntarily.  Not all lenders offer HARP loans, and the parameters may be customized by each participating lender.  Because of this, borrowers are not limited to their current lender when considering a HARP loan.

Third Federal is offering the Fannie Mae HARP program to our existing borrowers who meet both Third Federal and Fannie Mae requirements.  Fannie Mae requirements include the date the loan was sold, income and payment history. Third Federal has additional requirements related to credit, property and occupancy.  Additionally, at this time, we are not processing HARP loans with mortgage insurance (MI)

 Is Third Federal's Home Affordable Refinance Program (HARP) right for you?  Follow these guidelines

   If you answered yes to the above questions, a HARP refinance through Third Federal may be an option for you.  Please contact a branch, or our Customer Service Department at 1-800 THIRD FED to apply.  Frequently asked questions are listed here.