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HARP Mortgage: To be eligible for HARP: your mortgage must be securitized by Fannie Mae or Freddie Mac on or before 5/31/2009, with a loan-to-value (LTV) equal to or less than 200% of the current market value of your home. You must be current on existing mortgage payments and make sufficient income to support the new mortgage payments. Quicken Loans must be participating with your Mortgage Insurance provider in order for you to qualify. *The interest on the portion of the credit extension that is greater than the fair market value of the dwelling is not tax deductible for Federal income tax purposes. A tax advisor should be consulted for further information regarding the deductibility of interest and charges.