The HARP 2.0 Refinance – What If I Rent It Out Now?

The HARP 2.0 Refinance – I have been asked this question several times in the last week: I bought my home as my primary residence, but now I rent it out.  Can I still qualify for the HARP 2.0 Refinance ? 

The HARP Deal 2.0 – Occupancy Does Not Matter

Assuming you meet all of the other criteria (click HERE to read the main guts of the HARP 2.0 Refinance), occupancy does not affect eligibility.

As mentioned in a previous post, The HARP Deal, Eligible Occupancy and Property Type, the home can be a:

  • Primary Residence
  • Second Home
  • Investment Property

Will an Investment Property loan under the HARP 2.0 Refinance cost a little more?  Yep.  But if you are currently stuck at 5%, 5.5%, 6% or more, dropping down to today’s HARP 2.0 rates is probably going to help with cash flow.  Or, refinance your Fannie Mae or Freddie Mac eligible HARP 2.0 to a shorter term and lower the rate even more.

The Lending Company is currently closing Fannie Mae and Freddie Mac eligible HARP 2.0 Refinances in 30 days or less and up to 150% loan to value.  We are a direct lender and are closing Fannie and Freddie HARP 2.0 Refinances in-house.

California property owners interested in the HARP 2.0 Refinance, contact Kevin Kueneke with The Lending Company today by calling (760) 500-1919 or inquire online at:


About Kevin Kueneke

I am a Sr. Loan Officer with The Lending Company in San Diego, California. The HARP Deal is a very important part of the housing recovery, and I want to help you take advantage of this great program. View all posts by Kevin Kueneke

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