New Article on Fannie Mae, Freddie Mac HARP Mortgage Refinance Program Available from

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In a new article, explains why Fannie Mae and Freddie Mac’s program to refinance underwater homeowners should be expanded, as lowered mortgage rates are key to economic recovery.

Vince Kasperick, CEO,

The homeowner benefits by improving net spendable income and our economy benefits by the marginal propensity to spend. This program can be a key contributor to our nation's continuing economic recovery.

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A new op-ed article about Fannie Mae and Freddie Mac’s Home Affordable Refinance Program (HARP), which allows underwater homeowners to refinance to a lower mortgage rate, is now available from In the article Vince Kasperick, founder and CEO of, discusses the ins and outs of this little-known program, including underwriting guidelines, why banks aren’t fully supporting the effort, and where homeowners can turn for help.

“Lowering mortgage rates for the vast majority of Americans who continue to honor their mortgage obligations is good for our homeowners and our country,” said Kasperick. “The homeowner benefits by improving net spendable income, and our economy benefits by the marginal propensity to spend. This program can be a key contributor to our nation’s continuing economic recovery.”

Recently extended by the federal government, HARP is available to homeowners with good credit whose property values have fallen below the balance on their mortgage. Kasperick advocates the expansion of HARP as a means of helping both homeowners and the nation’s economic recovery as a whole.

Kasperick wrote the article for several reasons. Firstly, the article is meant to inform the general public of the HARP program. Kasperick also intends for the article to point out that the nation’s largest banks -- who were greatly assisted by these same taxpayers in their time of need -- are not doing as much as they could to promote this program. In addition, Kasperick wrote this text to direct homeowners on how to find and competitively shop lenders offering the program.

The op-ed piece can be viewed at’s Web site at Media choosing to publish the piece are requested to email vince(at)aimloan(dot)com with the date of publication.

For more information about Fannie Mae and Freddie Mac’s Home Affordable Refinance Program, home purchase or refinance mortgages, or other mortgage-related inquiries, visit

About is the fifth largest retail online mortgage lender in the United States, according to the most recent ranking by National Mortgage News Services. A Fannie Mae / Freddie Mac Seller-Servicer, and Certified Upfront Mortgage Lender, the mortgage banker’s rates, points, fees and all third party costs are posted online, 24/7. The San Diego-based company’s website allows visitors to perform a custom rate search and obtain an online Good Faith Estimate without requiring any personal information. Applications are taken online and approved by an automated underwriting system, and customers may lock their rate and guaranteed closing costs online, 24/7.

About Vince Kasperick
Vince Kasperick is the founder and CEO of Previously, he spent 13 years in the banking industry, including seven as the president of a San Diego-based bank specializing in mortgage banking. Prior to banking, Vince was employed by Price Waterhouse in San Diego where he received his CPA. He holds a Bachelors Degree in Accounting from the University of San Diego and a Masters Degree in Finance from San Diego State University.

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