See if you're one of the many who qualify.
New rules make it easier to qualify.
Protect yourself with these facts and tips.
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.
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!
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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!
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FHFA Announces Modifications to High LTV Streamlined Refinance Program and Extension of HARP through December 2018 (8/17/2017)
FHFA Announces New Streamlined Refinance Offering for High LTV Borrowers: HARP Extended through September 2017 (8/25/2016)
HARP Refinances Surpass 3.4 Million (5/16/2016)
FHFA Extends HARP to 2016 (5/8/2015)
HARP Refinances Top 3.2 Million (11/26/2014)
FHFA Announces New HARP Outreach (6/25/2014)
HARP in the News
© 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.