HARP 2.0 Refinance Checklist - Steps To Getting Approved




Determine If Your Loan Is Backed By Fannie Mae or Freddie Mac

You can check "lookup" forms on the Fannie Mae and Freddie Mac web sites. However, keep in mind that these web forms are not always accurate as the address would have to be exactly the same as was recorded with Fannie or Freddie. 

Click Here To Check Fannie Mae | Click Here To Check Freddie Mac

Or, you can have us check for you:




Submit Your Personal Information By
Completing Our Secure Online Application





You need to gather the following for HARP Approval:

  • Two Years Primary Residential Address (Don't forget! HARP is available for 2nd Homes and Investment Properties)
  • If you are a W-2 Employee, we need a copy of your most recent pay stubs (Prior 30 Days) showing gross salary & deductions Year To Date
  • Last year's W-2's
  • If you are Self Employed, we will need Last Year's Tax Returns with all Schedules
  • Most Recent Bank Statement
  • Copy of your current mortgage statement.
  • Copy of Driver's License
  • Also submit DD-214 form and eligibility certificates for veterans and other detailed information on any other outstanding property loans.




Fax or scan all the items from Step 3 to me
Fax: 425-296-1938,

Or, Scan and email to Info@LandHomeNW.com,

Or, simply Call Me at 425-289-1102 for other options!

Some important things to remember: 

Applying for a HARP loan in Washington State may initially be quite confusing given the number of forms that need to be completed. If you have questions, please ask us for help. If you have special concerns or circumstances, feel free to call us and discuss it.  


Stay current on your loan. Many people are advising Homeowners to go into default on their mortgages in order to obtain loan modifications or short sale approvals. The HARP Refinance Program is intended for people who are current on their mortgages in the last 6 months with only one 30-Day late payment within the last 12 months. Don't disqualify yourself!


Do not make the mistake of applying for large credit lines, buying new vehicles or increasing your credit card limit. This will undoubtedly negatively affect the debt to income ratio and could disqualify you from getting a HARP loan.

One last tip:

We can only move as fast as your do. Providing your documentation quickly and as complete as possible will speed up your loan approval process. When submitting your papers, make sure that you keep all originals that may be verified against enclosed copies if required. These include bank statements, check stubs and all assorted loan papers for your loan process.


If you have ANY questions or concerns, please don't hesitate to call my office at 425-289-1102 or email me at Info@LandHomeNW.com . I am here for you!

Michael Patterson, Branch Mgr
HARP Program Specialist

NMLS ID / WA MLO # 69386

Email: Info@LandHomeNW.com

Phone: 425-289-1102


Contact Michael Patterson, Branch Mgr, your Washington HARP Refinancing Expert, to setup a free consultation to determine if you are eligible for the HARP program. I will be honored to work with you!

Land Home Financial Services, Inc.
Michael Patterson, Branch Mgr
Phone: 425-289-1102

Equal Housing Opportunity Lender. Land Home Financial Services, Inc. is a mortgage finance company and does not represent parties to Real Estate transactions or operate as a Real Estate company. The Agent Mastermind free webinars and marketing strategies are a service of a third party vendor, is offered as a convenience service only, and should not be construed an endorsement of any particular company. The accuracy of all information, regardless of source, is not guaranteed and should be personally verified through personal inspection by and/or with the appropriate professionals. Land Home makes no guarantee or promises on success from the use of these services. Use of these services are not to be construed as a commitment to lend. Land Home Financial Services, Inc. only conducts business in the states it is licensed in. Washington Consumer Lending License CL #89331.
Notice: This is a privately owned and maintained
web site and is not a government agency
Equal Housing Opportunity Lender. Not a commitment to lend. Rates, programs, fees and guidelines are subject to change without notice. *Contact your Loan Officer for details, additional restrictions may apply. Land Home only conducts business in states we are approved to. Restrictions may apply. Land Home Financial Services. 22525 SE 64th Place, #220, Issaquah, WA 98027. Washington Consumer Loan Branch Office License - CL-89331. NMLS #69386.