These programs were started after the housing crisis to help home owners avoid foreclosure.

The Home Affordable Mortgage Program (HAMP) and the Home Affordable Refinance Program (HARP) have been extended through the end of 2016.

Under HARP homeowners can refinance at lower rates even if the value of the homes have decreased.  HAMP encourages lenders to after the terms of the mortgage to make the home more affordable.  

If you are thinking about selling your home that is under water in Tampa Bay, please give me a call.

Would love to help, Stephanie 813-624-3332