Connecticut HARP Refinance

Connecticut HARP RefinanceFrom Andover to Woodstock, CT, homeowners in all 8 counties and 169 cities/towns located throughout the state can take advantage of the benefits of a Connecticut HARP refinance.

Benefits of the Connecticut HARP Program

  • No equity requirements for Connecticut properties!
  • Reduced mortgage rates under newest version of HARP.
  • Primary residences, second homes and investment properties all qualify!
  • Allowed to pick any lender to get the lowest Connecticut HARP refinance rates available.
  • Easier qualifying with expanded underwriting criteria.

Eligibility for Connecticut HARP Refinance Program

Not everyone is eligible to take advantage of the Connecticut HARP Program. Mortgage holders of underwater CT properties must meet the following requirements :

  • Home loan must be guaranteed or currently owned by Fannie Mae or Freddie Mac
    • Conventional loans only (no FHA, VA, USDA or jumbo mortgages)
  • Only loans sold on or before 05/31/2009 to Fannie Mae or Freddie Mac are eligible
  • No prior Connecticut HARP refi under the Home Affordable Refinance Program is allowed
    • Exception : Fannie Mae HARP loans refinanced from 03/01/2009  – 05/31/2009
  • Current appraised value with a 80%+ loan-to-value ratio

Borrower Benefit under Connecticut Home Affordable Refinance Program

Connecticut homeowners interested in an underwater mortgage refinance can take advantage of the Connecticut Home Affordable Refinance Program as long as they benefit from one of the following :

  • A lower monthly principal and interest payment on new loan
  • A lower rate
  • A lesser amortization period
  • Movement to a more stable loan type such as from :
    • An interest-only mortgage to a fully amortizing mortgage
    • An adjustable rate mortgage (ARM) to a fixed rate mortgage
    • An adjustable rate mortgage to another ARM provided that the new loan has an initial fixed rate period of 5 years or greater and is equal to or greater than the remaining fixed rate period of the current loan

Counties and Cities/Towns Eligible for Connecticut HARP Refinance

Connecticut HARP Program for Fairfield County

Bethel, CT
Bridgeport, CT
Brookfield, CT
Danbury, CT
Darien, CT
Easton, CT
Fairfield, CT
Greenwich, CT
Monroe, CT
New Canaan, CT
New Fairfield, CT
Newtown, CT
Norwalk, CT
Redding, CT
Ridgefield, CT
Shelton, CT
Sherman, CT
Stamford, CT
Stratford, CT
Trumbull, CT
Weston, CT
Westport, CT
Wilton, CT

Connecticut HARP Program for Hartford County

Avon, CT
Berlin, CT
Bloomfield, CT
Bristol, CT
Burlington, CT
Canton, CT
East Granby, CT
East Hartford, CT
East Windsor, CT
Enfield, CT
Farmington, CT
Glastonbury, CT
Granby, CT
Hartford, CT
Hartland, CT
Manchester, CT
Marlborough, CT
New Britain, CT
Newington, CT
Plainville, CT
Rocky Hill, CT
Simsbury, CT
South Windsor, CT
Southington, CT
Suffield, CT
West Hartford, CT
Wethersfield, CT
Windsor, CT
Windsor Locks, CT

Connecticut HARP Program for Litchfield County

Barkhamsted, CT
Bethlehem, CT
Bridgewater, CT
Canaan, CT
Colebrook, CT
Cornwall, CT
Goshe, CT
Harwinton, CT
Kent, CT
Litchfield, CT
Morris, CT
New Hartford, CT
New Milford, CT
Norfolk, CT
North Canaan, CT
Plymouth, CT
Roxbury, CT
Salisbury, CT
Sharon, CT
Thomaston, CT
Torrington, CT
Warren, CT
Washington, CT
Watertown, CT
Winchester, CT
Woodbury, CT

Connecticut HARP Program for Middlesex County

Chester, CT
Clinton, CT
Cromwell, CT
Deep River, CT
Durham, CT
East Haddam, CT
East Hampton, CT
Essex, CT
Haddam, CT
Killingworth, CT
Middlefield, CT
Middletown, CT
Old Saybrook, CT
Portland, CT
Westbrook, CT

Connecticut HARP Program for New Haven County

Ansonia, CT
Beacon Falls, CT
Bethany, CT
Branford, CT
Cheshire, CT
Derby, CT
East Haven, CT
Guilford, CT
Hamden, CT
Madison, CT
Meriden, CT
Middlebury, CT
Milford, CT
Naugatuck, CT
New Haven, CT
North Branford, CT
North Haven, CT
Orange, CT
Oxford, CT
Prospect, CT
Seymour, CT
Southbury, CT
Wallingford, CT
Waterbury, CT
West Haven, CT
Wolcott, CT
Woodbridge, CT

Connecticut HARP Program for New London County

Bozrah, CT
Colchester, CT
East Lyme, CT
Franklin, CT
Griswold, CT
Groton, CT
Lebanon, CT
Ledyard, CT
Lisbon, CT
Lyme, CT
Montville, CT
New London, CT
North Stonington, CT
Norwich, CT
Old Lyme, CT
Preston, CT
Salem, CT
Sprague, CT
Stonington, CT
Voluntown, CT
Waterford, CT

Connecticut HARP Program for Tolland County

Andover, CT
Bolton, CT
Columbia, CT
Coventry, CT
Ellington, CT
Hebron, CT
Mansfield, CT
Somers, CT
Stafford, CT
Tolland, CT
Union, CT
Vernon, CT
Willington, CT

Connecticut HARP Program for Windham County

Ashford, CT
Brooklyn, CT
Canterbury, CT
Chaplin, CT
Eastford, CT
Hampton, CT
Killingly, CT
Plainfield, CT
Pomfret, CT
Putnam, CT
Sterling, CT
Thompson, CT
Windham, CT
Woodstock, CT