Español
harp FHFA Default
This way to real refinancing help.
Eligibility Map

FHFA has extended HARP through 2016 

More than 3.3 million have refinanced through HARP - thousands more are eligible

Find out how many in your area are eligible for HARP with our interactive map.

View Map

A mother playing with her baby

Interested in saving money? 

Read up on HARP, then talk to your lender. HARP—the Home Affordable Refinance Program—was created by the Federal Housing Finance Agency specifically to help homeowners who are current on their mortgage payments, but have little to no equity in their homes, refinance their mortgage - that is, they owe as much or more than their homes are currently worth - are eligible for a HARP refinance.

If you got your mortgage loan at a bank, credit union or mortgage company, it may be owned by Fannie Mae or Freddie Mac. If so, you could qualify for HARP refinancing and you could save thousands with a lower rate or other more favorable terms. No minimum credit score is required and closing costs can be bundled into the new loan so you don’t need much cash up front.

Could You Get HARPed?

Wondering if you’re eligible or know someone looking to refinance? Learn more about HARP eligibility requirements with this infographic and share it with family and friends!
Download the PDF

HARP — The Roadmap to Savings.

Find out how HARP can be your road to savings. Learn about the monthly and long-term benefits you could get by refinancing through HARP and share it with your family and friends!
Download the PDF



It’s OK to admit you’re confused about refinancing!  HARP can help.

See how real estate expert Mike Aubrey helps them find their way in this TV PSA.

© 2015 Federal Housing Finance Agency. All rights reserved.