Why Choose A HARP Loan

HARP Mortgages

Recent changes allow more underwater homeowners to refinance   

Home Affordable Refinance Program (HARP)

HARP is a federal program to help responsible, underwater and near underwater homeowners refinance their mortgages to today's lower rates.  HARP allows homeowners with mortgages owned by Fannie Mae or Freddie Mac on or before May 31, 2009 and have current mortgage payments are eligible to refinance to today's lower rates. With HARP no appraisal or private mortgage insurance is required.  

  • Relaxed income Guidelines


  • No Equity Required

  • Reduced documentation 

  • No Mortgage Insurance Required

  • No Appraisal needed 
Apply Online
​Apply online with our secure online application system. You will receive email updates as your loan progresses from application to funding.

Call Us for a Quote
​Talk to a licensed mortgage banker who can answer all your questions, quote rates and find the best loan for you.


Why Speak with a MN Capital Loan Officer? 

Our mortgage professionals are fully licensed with both the BRE and the NMLS.

This assures you that our people are fully licensed and have met both the state and federal licensing requirements.  Speaking with qualified mortgage people is an important step to getting the right mortgage loan.  

MN Capital has a strict "Anti-Steering Policy" so you can be assured that the loan option suggested to you will fit your needs.

Our loan officers will take the time to explain the mortgage process from application to funding and remain your point of contact during the entire loan process.