Home Affordable Refinance Program (HARP)

Veterans Mortgage of America is a VA Approved Lender | NMLS ID 3117

Credit and lending guidelines have expanded to assist borrowers with lower interest rates and significant monthly savings with NO out of pocket closing costs!

If you are behind on your payments or have been unable to get traditional refinancing, you may be eligible through the HARP Program. This program is designed to help you get a new and more stable, affordable mortgage with a lower rate. Your monthly payments can easily be reduced by hundreds of dollars based on a single percentage point of your home loan rate.

Veterans Mortgage of America is here to help! We are an approved lender with the Department of Veteran’s Affairs and an “A” rating from the Better Business Bureau. We offer a number of lending options and utilize our knowledge and experience with loan programs to save our customers money every day. Join the many satisfied customers that we have had the privilege of helping to lower their rates and bring down monthly bills.

Get Started NOW

There is absolutely no reason to wait. Mortgage rates fluctuate and opportunity can close quickly. Making an adjustment of a few percentage points can vastly alter your monthly mortgage payment. Hesitation can cost you hundreds of dollars every month.

If your mortgage is owned or guaranteed by Fannie Mae or Freddie Mac, then you can be on your way today to a more secure financial future.

Reach Us Toll Free: 1-407-752-9367

What Is HARP and how does HARP Refinancing Work?

HARP mortgage refinancing is a new program that was developed to help home owners find affordable options who otherwise didn’t qualify for a lower rate. HARP refinance loans require a loan application and underwriting process, and refinance fees will apply. Additionally, these criteria must be met:

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.

HARP Tools – Check The Availability of Your Home

If your loan is owned by Freddie Mac, you may check your potential eligibility for HARP here.

If your loan is owned by Fannie Mae, you may check your potential eligibility for HARP here.

VA Loans

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"USAVA Lending did a fine job. They explained everything. They treated me just fine and they were real friendly. If I had a question they got right back in touch with me at the time they said they would. They got what I wanted. I had no complaints. They corrected things that needed to be done. I was alright with the interest rate being the same. I would recommend them."

We received VA Refinance from USAVA Lending. All expectations were meet we had excellent communications from the "Executive Assistant. They provided prompt and thorough services. I would recommend USAVA Lending. It was easy with no hassles."

"The service was real good and they were pleasant. They were real polite and nice. The loan closed early and it did not take too long. We had no problems with them. The loan originator was excellent. He set us up and he was fantastic! He called back to see if everything went smooth and to find out if we had any questions. We did not have any questions because they answered them. I would definitely recommend them."

"They did a great job! I was very satisfied with their helpfulness and they went as far as taking care of the little details. During the time I was refinancing, my husband was in the hospital and was in ICU. The Senior Loan Processor was very helpful and was there for me when I couldn't be quite there myself. We got a reduced interest rate and reduced payment. I got a lot of great customer service from their team. I was looking for a place online and just happened to find their website and have been trying to refinance for 2-3 years..."

"Thank all of you that worked to get this mortgage through. The Senior Loan Processor was quite a tireless person working with us. She was good to us and caring. She was also reassuring. We were very nervous and she calmed our fears.We would recommend USAVA Lending very highly. They were friendly, courteous, informative. They explained everything. USAVA Lending was the first loan company we have used in many years and it was worth our while. They facilitated the process, so we had nothing was held up."

"I have used USA Home Loans a couple of times now and I keep going back because the employee I work with is great. I am always treated well and the employee is very personable. I have recommended them and if asked I would keep recommending them they are efficient."

"Everyone at USAVA Lending did a splendid job in refinancing my home..They were very courteous,imformative, and answered all my questions. They were all very professional in handling my re finance, and it was finished promptly.I recommend your Lending Instition very highly.Thank you all for doing such a great job!"

"Compared to Chase and other places that I worked with USAVA Lending were excellent. It was impressive because they are in Arizona and I am 1000 miles away in the bay area in California and I got better service from them than I would get from Chase who is literally around the corner. When the loan originator contacted me I was kind of leery that something like this would go through, but he did a remarkable job in terms of managing the loan application and process..."

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No Down Payment | No Mortgage Insurance | Low Rates

VMA is an approved lender. Not endorsed or sponsored by the Dept. of Veterans Affairs or any government agency.

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Veterans Mortgage of America (fka USAVA Lending, LLC), provides outstanding lending options for home owners, home buyers, Veterans and active duty Military service members.

VMA is an approved lender and not an agency of the Federal Government or affiliated with the Department of Veteran Affairs. We are licensed in AL, AZ, AR, CA, CO, DC, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, MD, MI, MN, MS, MO, MT, NB, NE, NV, NJ, NM, NC, OH, OK, OR, PA, SC, TN, TX, UT, VT, VA, WA, WI, WY.