what is the Harp rate vs regular for 30 yr fixed

Without knowing more of your situation, this is too much unknown to give an honest and accurate for this scenario.

Sometimes the Harp rate is an eighth better than the regular rate and other times it might be the same. In reviewing rates a primarily correspondent lender who loans their own money...I might have a lender or two who are more aggressive in pricing rates on a given day. If they also provide a harp rate, sometimes it is an eight better and other times it is the same.

More information is needed on your personal situation, so contact a local mortgage broker in your area for assistance. But generally speaking, they are either just a hair above or below the standard loan rate for your situation. For HARP refinance loans in MN, WI, or SD, visit me at www.harp-refinance-mn.com/