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HARPQuiz Review

ByBestmoney StaffApr. 01, 2020

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In a Nutshell

HARP Quiz matches you with your mortgage refinance lender with an outstanding network and clear online tools.


  • Pre-qualify in seconds
  • One inquiry process for all lenders
  • Federally backed programs available


  • Information regarding loan specifics absent
  • No educational resources

HARP Quiz at a Glance

Loan types: Refinance, purchase

Loan amount: Varies by lender

Repayment Terms: Varies by lender

Best for : Customers preferring to be matched instead of searching for mortgage options


HARP Quiz is an online lending marketplace that works to match homeowners seeking mortgages with lenders. The company handles all the heavy lifting for potential borrowers, contacting lenders directly and acting as a conduit between the two parties to find customers the best available loan options. With a simple form that can be filled out within a few seconds, borrowers will receive a list of potential lending matches operating in their state of residence. HARP Quiz also stands out among the competition thanks to its network of trusted lenders that cooperate with several federally backed loan programs.

Best for?

Families seeking a quick strategy for refinancing outstanding mortgages

With a singular focus, HARP Quiz’s website is designed to quickly and efficiently offer customers potential lender matches to refinance mortgage loans. Instead of having to spend days and possibly weeks shopping around, borrowers can quickly receive several offers based on their qualifications directly to their email inbox.

Borrowers looking for federal assistance

One of HARP Quiz’s main functions is to connect borrowers to lenders via the Federal Government’s programs. This includes several federally-backed loan options including FHA and VA alongside conventional and jumbo loan products.

Loan Features

HARP Quiz’s website is geared toward helping customers uncover a refinancing loan for their mortgages as quickly as possible. As such, potential borrowers can instantly get started with their inquiry process by answering a series of straightforward questions regarding their finances, existing mortgages, and supplying some basic contact details. HARP Quiz is not directly a lender, but does count on a reliable and extensive network of mortgage lenders that are readily able to help customers satisfy a variety of unique borrowing needs. Moreover, the company’s matching process is almost instantaneous, with as customers receiving an email filled with potential matches after completing the initial questionnaire. HARP Quiz’s loan partners offer a good variety of financing options, including traditional refinancing and jumbo loans for customers who need access to larger loan amounts. Additionally, the company works alongside several lenders able to offer federally-backed choices including FHA and VA loans.

Highlights for HARP Quiz:

  •  A reliable network of refinancing lenders
  • Federally backed loan options including HARP, FHA and VA available
  • One questionnaire for all partners
  • No fees for inquiry and no obligations
  • All credit scores welcome
  • A+ rating with BBB
  • Jumbo loans issued for customers with unique financing needs

Deep Dive into Pros and Cons

There are some areas where HARP Quiz could upgrade its services. For example, the company does not list any representative information regarding loan terms, amounts and interest rates and there's no educational center that features an FAQ or knowledge-base regarding mortgages. This can make it confusing for novice borrowers to understand what they are looking for and what they’ll receive. 

However, HARP Quiz has some standout features that make it a top choice. An initial inquiry with HARP Quiz can result in a match with a lender in just seconds, because of how efficient their system is and it’s easy to compare financing options after being matched. There are no fees for an inquiry and no obligations to take a loan after receiving offers, which is great for those who are shopping around and comparing their options. The company’s partners can underwrite several federally-backed lending options, too, which broadens the amount of people they can help to include those looking for FHA, VA or USDA loans. 

The Application Process

The initial inquiry process starts with a short questionnaire which can be completed in a matter of seconds. Customers must answer a few questions relating to their existing mortgage and living situation as well as some basic financial details and pertinent contact information. Once completed, prospective borrowers will be instantly matched to several options available directly in their home state. To finish an inquiry, customers must choose from the options presented and finalize the specific terms of their refinancing loans directly with their selected lender. Keep in mind that HARP Quiz is an intermediary and not a lender, so specific loan details such as the amount, interest rate, and term duration are agreed upon directly with your chosen loan provider.

Loan Terms – In-House Underwriting and Education

One area where HARP Quiz could expand its offerings is listing representative information regarding loan terms, amounts, and interest rates. Because it does not originate loans, HARP Quiz does not list any specific borrowing details on their website. However, the company’s lending partners do work with a range of borrowers, and are happy to extend financing to those individuals with weaker credit.

Although the company does not list loan amounts and terms, HARP Quiz’s partners do offer several types of refinancing loans that can cover more conventional mortgages and jumbo loans, alongside federally backed FHA and VA options. While the conventional loan rates may vary from lender to lender, the federal loan programs are more welcoming and tend to have fewer requirements than traditional financing alternatives. Customers with less than stellar financial histories can still benefit from these loans. Moreover, veterans and their families can find beneficial deals through HARP Quiz’s network.

Repayment Terms

The company cannot guarantee any terms and repayment options as they do not originate their own loans. However, federal loans are in some cases limited as to the repayment options they offer. FHA Loans, for instance, are only available in 15 or 30-year terms. Overall, HARP Quiz’s lending network is able to furnish a variety of loan repayment terms.

How Safe is It?

A big positive for HARP Quiz is the company’s transparent privacy policy and terms, which are clearly outlined for all users. The company does collect some customer information, including personally identifiable information, to provide a better service. However, HARP Quiz does not share user data with unauthorized 3rd parties. More importantly, it takes great care to protect user information by employing industry standard security measures and encryption protocols during transmission and storage.

Help & Support

Borrowers can contact HARP Quiz via telephone, email, or traditional post. The company’s representatives are easy to reach and waiting times on both the phone and email channels are relatively short. Agents were able to answer our questions reliably, and were both friendly and professional. Customers would appreciate more support channels, such as social media or live chats, but overall people are happy with the service.

So, Should you Borrow with HARP Quiz?

With a straightforward inquiry process alongside an excellent matching system, HARP Quiz provides borrowers seeking to quickly compare their refinancing options with an easy solution. Making an initial inquiry takes just a few seconds to complete before lender matches are delivered directly to applicants’ email inboxes. Borrowers with weaker credit can also access refinancing options, and several federal loan programs give customers an excellent alternative for finding the appropriate choice to refinance their homes. Although they could add more information on their website, HARP Quiz is a great option for borrowers looking for a streamlined and straightforward solution for mortgage refinancing.

Physical Address

Suited Connector, LLC


8123 South Interport Blvd, Suite A

Englewood, CO