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This way to real refinancing help.

30 Seconds to HARP Video

Reminder:  HARP ended 12/31/2018. 

HARP loan applications had to be filed on or before 12/31/2018 and delivered by purchase by Fannie Mae or Freddie Mac no later than 9/30/2019.

Current on your mortgage? Little or no equity in your home? You could be eligible to save up to $2,400 a year with HARP. Take 30 seconds to learn how.

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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.

Are You Eligible for HARP?

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

© 2018 Federal Housing Finance Agency. All rights reserved. Home Affordable Refinance Program®, HARP® and the HARP logo are federally registered trademarks of the Federal Housing Finance Agency.