Best Harp Loan and Loan Modification Companies

After the United States housing bubble burst in 2008, many homeowners were left with houses worth less than they owed on their loans. Consequently, people sought to refinance their homes through loan modification.
Government assistance programs like the Home Affordable Refinance Program (HARP) were established to help homeowners refinance their homes. Currently many banks and online companies offer loan modification services to qualifying consumers.
Compare Reviews for Top Harp Loan and Loan Modification Companies | |||
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LendingTree | This online marketplace connects consumers with lenders. Credit score of 640-750 required. FHA, VA, USDA and Community Homebuyer loans require a minimum down payment of 0-10%; conventional loans require a 5-20% down payment. | ![]() | |
Quicken Loans | This lender offers conventional, FHA, VA and jumbo loans along with fixed or adjustable rates. 580 minimum credit score required for FHA; 620 for VA and conventional. Fast, online application process with no additional fees. | ![]() | |
Carrington Mortgage Services | Carrington Mortgage Services offers wholesale lending and mortgage services directly to consumers. These services include refinance and modification options, conventional loans, FHA loans, VA loans and more. | ![]() | |
Select Portfolio Servicing | Founded in Salt Lake City in 1989, Select Portfolio Servicing, Inc. (SPS) is a mortgage servicer that specializes in single-family residential mortgages. SPS offers assistance with HAMP, HARP and other loan modification services. | ||
Specialized Loan Servicing | Read 351 Reviews | This third-party mortgage servicer offers mortgage assistance programs including loan modification, forbearance plans, short sale, short pay and temporary payment suspension. | ![]() |
Bayview Loan Servicing | Read 180 Reviews | This national mortgage loan servicer offers loan modifications, forbearance plans, short sales, deed-in-lieus and foreclosure avoidance. | ![]() |
Midland Mortgage | This division of a federally chartered savings association offers mortgage assistance and loan modification. | ![]() | |
Hope Now | Read 18 Reviews | Hope Now is a support and guidance alliance between mortgage market participants like counselors, mortgage companies and others. Resources like modification scam alerts and counseling services help homeowners make smart decisions. | ![]() |
iFreedom Direct | iFreedomDirect has been helping borrowers finance their homes since 1996. Specializing in FHA loans and loans for veterans, iFreedom Direct has headquarters in Salt Lake City with licensed loan officers operating nationwide. | ||
Peoples First Financial | Read 11 Reviews | People’s First Financial is a full financial services firm that provides mortgage, real estate, financial and investment strategies. They specialize in loan modifications, VA loans and repayment plans among other services. | ![]() |
Questions about HARP loans and loan modifications
Types of loan modification service providers
Who is a candidate for loan modification?
Expert reviews of HARP and modification loan companies
Compare Reviews for Top Harp Loan and Loan Modification Companies | |||
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Trinity Debt Management | The Trinity Debt Management Program (DMP) helps consumers make informed financial decisions to take control of their repayment plans. The Trinity DMP reduces debts to one monthly payment, decreases interest rates and more. | ![]() | |
Greenlight Loans | Out of Business Acquired by Nationstar Mortgage LLC, Greenlight Loans was a direct-to-consumer mortgage lender focused on custom loans and quick service. As a full-service lender, Greenlight offered loan modification and other services. | ![]() |
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