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Refinance with the Home Affordable Sustainability Program (HASP)
Is your home loan owned by Freddie Mac?
The Homeowners Affordability and Sustainability Plan (HASP) is a program implemented on February 18, 2009 by President Obama to help millions of Americans avoid foreclosure.
Like Fannie Mae’s HARP, Freddie Mac’s HASP will help homeowners whose falling home values have prevented them from refinancing because their current loan to value ratios are higher than the normal 80%.
To take advantage of HASP, your home loan must be owned by Freddie Mac.
Click here to find out if Freddie Mac owns your home loan.
City Creek Mortgage
11910 S State St #100, Draper
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We had an excellent experience with City Creek Mortgage from start to finish. Sefa Gasu, Alexis Carter, and Ivie Carter were thorough, responsive, and professional every step of the way. They handled a complex file with clarity and care, … More kept communication tight, and helped us get to closing smoothly and confidently. Highly recommend their team. -
Thank you so much for helping me with my mortgage! Devyn and Stefa were very great to work with. They both made the entire process stress-free and quick start to finish. Everything was explained clearly and communication was great. I truly … More appreciate the time and effort put into making this such a positive experience. I highly recommend working with them! City creek mortgage is the best
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We had an amazing experience working with City Creek Mortgage, especially Alexis Carter and Sefa Gasu! They made the entire loan process so smooth and stress-free from start to finish. As first-time homebuyers, we had a lot of … More questions, and both Alexis and Sefa went above and beyond to make sure we understood every step along the way. They were always quick to respond, professional, and genuinely cared about helping us get the best loan possible. Thanks to their dedication and expertise, everything was handled efficiently and we were able to close on our first home without a hitch. We’re so grateful for their help and highly recommend City Creek Mortgage to anyone buying a home! -
Great local, family-owned mortgage company that provides white glove service with a great personal touch.
Sefa was helpful throughout the entire process, clearly outlined everything at each phase, and had great communication throughout … More the whole loan process.
Every interaction with someone at City Creek was pleasant and I couldn't be happier with my home loan. They'll be my first call any time I'm looking at a new mortgage, refinancing, or exploring options!
Highly recommend -
Temara and Marisol were great to work with. Zero pressure, just logical pros and cons on my refi. I uploaded like 12 documents, and then two weeks later closed. It was without a doubt the easiest mortgage experience I’ve ever had. Maybe … More a total 30 minutes of work on my end. Will absolutely use them again.
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City Creek Mortgage truly went above and beyond!
We had a very long and drawn-out process with both our home sale and our new purchase, and through it all, Troy and Sefa at City Creek Mortgage were the absolute glue that held everything … More together. They were always steady, responsive, and proactive — making sure every step stayed on track even when things got complicated.
Their speed, follow-through, and communication were next-level. What really stood out, though, was how genuinely they cared. We never felt like just another file — Troy and Sefa were invested in making sure we got into our home and made it happen, even when the process tested everyone’s patience.
If you want a lending team that combines professionalism, heart, and hustle, City Creek (and especially Troy and Sefa!) are the ones you want in your corner. We couldn’t be more grateful for them!
