The Home Refinancing Plan Banks Don't Want You Knowing

When homeowners visit Rate Marketplace™ official website, they may be surprised to find out they qualify for a plan that has the banks on edge.

Still unknown to many, this brilliant government program called the Home Affordable Refinance Plan (HARP) could benefit millions of Americans and reduce their monthly payments by as much as $4,264 each year.1 You could bet the banks aren't too thrilled about losing all that profit and might secretly hope homeowners don't find out before time runs out.

So while the banks happily wait for this program to end, the governement is making a final push and urging homeowners to take advantage.  The program is set to expire in 2015, but the good news though is that once you’re in, you’re in. If lowering your payments, paying off your mortgage faster, and even taking some cash out would help you, it's vital that you act now.

Close to a million homeowners could still benefit today, but sadly, many perceive HARP to be too good to be true. Remember, HARP is a free government program and there’s absolutely NO COST to see if you qualify. See if you qualify >>

Putting Money Back Into The Middle Class

Did you know if your mortgage is less than $625,000, your chances of qualifying for HARP could be high? The Government wants the banks to cut your rates, which puts more money in your pocket, ultimately boosting the economy.

But the banks are not happy about this. Here’s why:

  1. The program makes it easier to qualify for lower mortgage rates
  2. You have the option to shop lenders other than your current mortgage holder

You think banks like the above? Rest assured, they do not. They'd rather make more money by keeping you at the higher rate you financed at years ago. The middle class seems to miss out on everything, and jumping on this benefit is a no-brainer.

  • The average monthly savings is $250. Could you use an extra $250/month? 2
  • On top of the savings, many homeowners could pay off their mortgage faster.
  • Homeowners can even take cash out for home improvements, pay off debt, or pay for their children's education.

Where Do I Start?

With hundreds of mortgage lenders and brokers available, it can take consumers hours to simply contact each one separately and request a quote. The good news is that there are services that could help you save time and money by comparing multiple lenders at once. One such service is Rate Marketplace™, which has one of the biggest lender networks in the nation and what’s better is that they work with HARP lenders to provide consumers with a comprehensive set of mortgage options.

There’s no obligation to homeowners, and Rate Marketplace, offers easy and fast comparisons. It takes about five minutes, and the service is 100% free. You have nothing to lose, except for your money problems!

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Potential Savings

What a 2.25% difference really means

$200k loan @ 5.5%

$1,136 per month

$408,960 total cost

$200k loan @ 3.25%

$870 per month

$313,200 total cost


$266 per month savings

$95,760 total savings