Jerry Jones CPA
Wouldn’t it be nice to have a CPA that you deal directly with, that understands your business, that works in all 50 states and is there for you when you need him?
“Working with Jerry has literally taken a load off my back. He explains what you can and cannot do with clarity and makes “year end” a painless concept and not the nightmare we are all expecting to face. Jerry truly listens to our problems and concerns and customizes a product to our needs. He has put us “in control” of our business. You can’t go wrong when Jerry has your back”!
Shirley & Jack S., Owner, Apex Grading

Home Affordable Refinance Program (HARP) Extended!

This program was designed for home loans that are valued less than what is owed - underwater.
There was a lot of flap about the end of the HARP Program stating the programs end December 31, 2016.

The OBAMA ADMINSTRATION has extended HARP through December 31, 2016.

3+ Million Helped

HARP has helped more than three million people refinance.

 Eligibility Requirements

1. Fannie Mae or Freddie Mac must own or guarantee the loan.
2. The loan was originated on or before May 31, 2009.
3. The current loan-to-value (LTV) ratio must be greater than 80 percent.
4. The borrower must be current on their mortgage with no late payment in the last six months and no more than one late payment in the last 12 months.

Borrowers can visit: or look up to see if their mortgage qualifies by visiting Fannie Mae's and Freddie Mac's mortgage look up tools. This is the first step to determining if they qualify.

Borrowers should contact their existing lender or any other mortgage lender offering HARP refinances.


Create refinancing opportunities for eligible borrowers, while reducing risk for Fannie Mae and Freddie
Mac and bringing a measure of stability to housing markets.

HARP Introduced in 2009

FHFA and the Department of the Treasury introduced HARP in early 2009 as part of the Making Home Affordable program.

HARP provides borrowers, who may not otherwise qualify for refinancing because of declining home values or reduced access to mortgage insurance, the ability to refinance their mortgages into a lower interest rate and/or more stable mortgage product.

2011 Program Enhancements

1. Eliminated certain risk-based fees for borrowers refinancing into shorter-term mortgages and lowered fees for other borrowers.
2. Removed the 125 percent LTV ceiling for fixed-rate mortgages backed by Fannie Mae and Freddie Mac.
3. Waived certain representations and warranties that lenders commit to in making loans owned or guaranteed by Fannie Mae and Freddie Mac.
4. Eliminated the need for a new property appraisal where there is a reliable AVM (automated valuation model) estimate provided by either Fannie Mae or Freddie Mac.
5. Extended the end date for HARP to December 31, 2016
6. For the latest Fannie Mae and Freddie Mac loan modification and refinance (HARP) figures please see FHFA's Foreclosure Prevention & Refinance Reports.

If you owe more than your home is valued and you home is a FANNIE MAE –FREDDIE MAC loan this plan is for you. Don’t waste time, who knows when the program will end.

Ron MoschettiCall me Ron Moschetti – Mortgage Loan Professional if you would like to see if you qualify for this program.
Mobile: 775-351-4683 Email:
NMLS # 1007486

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