The Clock's Ticking: Here's Why You Should Use HARP to Refinance, Pronto 

January 11, 2017
Hey, homeowners: If you've been batting around the possibility of refinancing your home through HARP, now's the time to make a move.  
Read Full Story at Realtor.com

'Underwater' borrowers may be eligible for federal aid; program's deadline extended 

September 16, 2016
Seven years after the height of the housing bust, South Floridians still "underwater" on their mortgages could qualify to refinance under a government program that touts an average statewide savings of nearly $200 a month.  
Read Full Story at Sun Sentinel

U.S. Will Extend HARP Home Loan Program Into Next Year 

August 31, 2016
Seven years after the federal government first offered an option to help some homeowners refinance into more affordable mortgages, the program is being extended yet again, and plans for a new refinancing program are being completed.  
Read Full Story at New York Times

HARP extended, new program announced for underwater homeowners 

August 25, 2016
The Federal Housing Finance Agency (FHFA) said Fannie Mae and Freddie Mac is offering a new refinance plan beginning October 2017.  FHFA also announced the extension of HARP until September 30, 2017.  
Read Full Story at USATODAY.com



Time running out to use popular home refinance program

July 28, 2016
It would be difficult for interest rates to go any lower.
Read Full Story at Fox59.com 


Underwater on your mortgage? This program could help

December 24, 2015
What would stop someone from making a move and filling out forms to save $100 or $200 a month on a mortgage payment? Especially if that person lived in a hard-hit housing market and could qualify for a limited refinancing deal that arose out of the housing collapse?
Read Full Story at USA Today.com



Underwater on your mortgage? This program could help

December 21, 2015
Thousands of Michigan homeowners are still eligible to refinance under HARP in 2016. Wayne County, for example, had nearly 9,100 eligible homeowners as of June 2015.
Read Full Story at Freep.com



Editorial: Another chance for homeowners to refinance

November 20, 2015
Years after the housing crisis helped sink the nation's economy, Florida remains one of the states hardest hit by foreclosures and depreciating home values. But there is help for homeowners who have little or no equity in their houses and a slim chance of qualifying for traditional mortgage refinancing.
Read Full Story at Tampabay.com



HARP is music to homeowners' ears but Greater Clevelanders need to use it more

November 4, 2015
The federal Home Affordable Refinance Program was added to an orchestra of taxpayer-funded loan modification instruments during the lowest days of the predatory loan and foreclosure crisis, in March 2009.
Read Full Story at Cleveland.com



Cuyahoga, Ohio rank among the highest nationwide for homeowners who should refinance through HARP

October 29, 2015
Cuyahoga County has one of the largest numbers of homeowners in the nation who should refinance under the Home Affordable Refinance Program while they still can.
Read Full Story at Cleveland.com



10,000 Phoenix, Arizona Homeowners Eligible for HARP Refinancing

June 13, 2015
Thousands of Phoenix, Arizona homeowners could refinance into a mortgage with a lower interest rate, thereby saving money each month -- but many of them don't even know it.  This has prompted the federal government to launch an awareness campaign designed to educate eligible borrowers. 
Read Full Story at HomeBuyingInstitute.com



Feds Come to Valley to Help Struggling Homeowners

June 12, 2015
The federal government has been trying for years to get struggling homeowners the help they need, but the truth is a lot of folks haven't taken advantage of programs being offered.  
Read Full Story and View Video at AZFamily.com



Feds Come to Valley to Help Struggling Homeowners

June 12, 2015
Read Full Story and View Video at CBS5AZ.com / KPHO 



Here's Good News If You Have an Underwater Mortgage

June 11, 2015
Even as the economic recovery has largely taken hold and most of the alphabet soup of economic recovery programs has been wound down, it's good news that one program, the Home Affordable Refinance Program, has been extended.
Read Full Story at Denver Post



FHFA Announces June 12 HARP Outreach Event in Phoenix

May 27, 2015
Housing experts and community leaders will join FHFA policy experts for a town hall-style meeting at the Arizona Capitol Museum in Phoenix, AZ on June 12. The event is designed to provide tools to community leaders to encourage the more than 10,000 Phoenix area residents (more than 18,000 in Arizona statewide) still eligible for HARP to take advantage of the program.
Read release at FHFA.gov



Thousands of Floridians still eligible for mortgage-refinancing programs

May 21, 2015
Since its inception in 2009, more than 3.2 million borrowers, including 305,000 Floridians, have refinanced their loans through HARP?
Read Full Story at Herald Tribune



HARP housing refinance program extended through 2016

May 20, 2015
Are you current on your mortgage payments? Did you get your loan before May 31, 2009?
Read Full Story at The Tampa Bay Times.com 


More than 81,000 Florida homeowners Missing Out on Govt. Loan Mod

May 18, 2015
A mortgage modification program that was scheduled to expire at the end of this year has been extended through 2016 as 604,680 eligible borrowers nationwide have failed to apply for the plan.
Read Full Story at The Palm Beach Post.com 



Feds to extend 2 programs offering mortgage aid

May 17, 2015
The federal government is extending for another year two programs designed to help homeowners who are at risk of defaulting on their mortgage or still owe far more on their loans than the properties are worth.
Read Full Story at The Detroit News.com 



FHFA Announces Extension of HARP Through 2016

May 8, 2015
FHFA Director Mel Watt announced at Greenlining Institute 22nd Annual Economic Summit that FHFA decided to extend the Enterprises’ participation in the Home Affordable Modification Program (HAMP) and the Home Affordable Refinance Program (HARP) for an additional year, until the end of 2016.
Read Speech at FHFA.gov 



Homeowners Get More Time to Take Advantage of HAMP, HARP

May 8, 2015
Two federal programs intended to help struggling homeowners have been extended. The Home Affordable Modification Program (HAMP) and the Home Affordable Refinance Program (HARP), both launched in 2009 to boost the housing recovery by limiting foreclosures, were set to end in December.
Read Full Story at The Washington Post.com 



'Real Life' HARP Savings: Can you Qualify?

April 13, 2015 [updated May 11, 2015]
The government’s Home Affordable Refinance Program (HARP) is misunderstood by the very homeowners who might benefit from it, and that’s unfortunate. The refinance program, which ends Dec. 31, 2015, saves eligible homeowners an average of $200 a month. Some save even more.
Read Full Story at The Home Story 


FHFA Can't Keep Renewing Refi Program Forever, Watt Says 

March 4, 2015
The Federal Housing Finance Agency won't keep renewing initiatives like the Home Affordable Refinance Program in perpetuity, even if it is extended again before it expires in December, Director Mel Watt said Wednesday.  
Read Full Story at nationalmortgagenews.com



FHFA Announces March 4 HARP Outreach Event in Newark 

February 19, 2015
The Federal Housing Finance Agency (FHFA) announced it will hold its fifth event to reach homeowners who could save on their monthly mortgage payments by refinancing through the Home Affordable Refinance Program (HARP). FHFA Director Mel Watt will join housing experts and community leaders on March 4 in a town hall-style meeting at Essex County College in Newark, NJ. The event is designed to provide tools to community leaders to encourage the more than 20,000 New Jersey residents still eligible for HARP to take advantage of the program. HARP expires in December of 2015.  
Read Full Story at FHFA.gov

700,000 Homeowners Could Still Benefit from U.S. HARP Refinancing Program 

January 23, 2015
Although the housing market is increasingly on the mend, hundreds of thousands of homeowners still have little or no equity in their homes and could benefit from a federal mortgage refinancing program that is scheduled to end this year.
Read Full Story at New York Times 


Millions of homeowners could refinance and save big 

December 30, 2014
Millions of homeowners could save big money -- and possibly their homes -- by refinancing to today's historically low rates. But most don't even apply. Nearly 770,000 homeowners are eligible for cheaper loans through its Home Affordable Refinance Program.
Read Full Story at CNN Money



Have You Missed Your Chance to Use the HARP Refinance Program? 

December 30, 2014
HARP REFINANCE IS "NOT A SCAM", SAYS GOVERNMENT
The HARP refinance has been a staple of the U.S. housing market recovery. Yet, with mortgage rates at their low point for the year and at their best levels since mid-2013, HARP loan activity is dropping. There were fewer HARP loans closed in October than during any month since HARP 2 launched four years ago. Yet, the typical HARP-refinancing household saves more than 35% annually on their mortgage. 
Read Full Story at The Mortgage Reports 

Federal housing officials spread message about HARP at Miami town-hall meeting 

December 5, 2014
FHFA Director Mel Watt and other housing experts, including representatives from the Department of Treasury, Fannie Mae and Freddie Mac, hosted meeting December 5 to reach out to the 21,291 homeowners in the area who are eligible for the Home Affordable Refinance Program (HARP).  
Read Full Story at miamiherald.com



More than 97,000 Florida homeowners fail to cash in on federal program

November 18, 2014
More than 97,000 Florida homeowners are failing to cash in on a federal mortgage program that could save them hundreds of dollars each month.
According to a second-quarter report from the Federal Housing Finance Agency, Florida has the highest number of borrowers eligible for the Home Affordable Refinance Program that aren’t taking advantage of the lower interest rates it offers.
Read Full Story at palmbeachpost.com

Florida homeowners missing out on mortgage savings

September 24, 2014
Nearly 100,000 Florida homeowners, including 5,100 in Palm Beach County, are losing out on lower monthly mortgage payments by not taking advantage of the Home Affordable Refinance Program. The Federal Housing Finance Agency issued a report this week that found 3.2 million homeowners nationwide have used HARP, which reduces the amount of interest paid on mortgages that are underwater.
Read Full Story at palmbeachpost.com



FHFA Announces Detroit HARP Outreach Event

September 18, 2014
Today, the Federal Housing Finance Agency (FHFA) announced it will hold its third event to reach homeowners who could benefit from the Home Affordable Refinance Program (HARP) on October 2, 2014 in Detroit. FHFA Director Mel Watt will join housing experts and community leaders for a town hall-style meeting at the main branch of the Detroit Public Library.
Read Full Story at FHFA.gov



Many Homeowners Still Qualify For Mortgage Relief

August 26, 2014
The financial crisis pushed millions of Americans from their homes. And housing advocates complain that the government did more to prop up big banks on Wall Street than it did to help average people on Main Street.
But many of those people on Main Street could still qualify for a government program to help them save money by refinancing their mortgages.
Read Full Story at npr.org

WATCH: FHFA Director Watt ensures HARP is "not a scam"

August 25, 2014
There are 800,000 families nationwide that could still benefit from the Home Affordable Refinance Program, Federal Housing Finance Agency Director Mel Watt said in Atlanta on his nationwide public campaign to urge more borrowers to take advantage of the Home Affordable Refinance Program.
Read Full Story at HousingWire.com



Underwater on Your Mortgage?  HARP may help

August 21, 2014
If you owe more than what your home is worth, HARP may be able to help you refinance your mortgage.  The Home Story is an online source of housing-related information published by Fannie Mae.  
Read Full Story at THE HOME STORY.com



FHFA Announces Atlanta HARP Outreach Program

July 30, 2014
The Federal Housing Finance Agency (FHFA) today announced an outreach event to reach remaining homeowners who could benefit from the Home Affordable Refinance Program (HARP). FHFA Director Mel Watt will join housing experts and community leaders in a town hall-style meeting at Ebenezer Baptist Church in Atlanta on August 14.
Read Full Story at FHFA.gov

FHFA Announces New HARP Outreach Efforts

June 25, 2014
The Federal Housing Finance Agency (FHFA) today announced it is taking new steps to reach homeowners who could benefit from the Home Affordable Refinance Program (HARP). FHFA Director Mel Watt will join housing experts and community leaders in a town hall-style meeting at the Woodson Regional Library in Chicago on July 8 to discuss the benefits of HARP and encourage the approximately 36,000 Chicago residents still eligible to participate in the program. These borrowers could save two to three thousand dollars each year by refinancing their mortgage. But many eligible borrowers who would benefit from doing so have failed to take advantage of the HARP program.
Read Full Story at FHFA.gov



Home Affordable Refinance Program Can Provide Substantial Savings

May 18, 2014
Financial institutions are encouraging homeowners to take advantage of the federal Home Affordable Refinance Program, known as HARP, which can provide pretty substantial savings for families.
The more people who know about this national program, the better, said Jay Plum, executive vice president for consumer and mortgage lending for Huntington National Bank. He is based out of the company’s headquarters in Columbus, Ohio.
Read Full Story at timeswv.com



Underwater mortgages' continue to plague homeowners

April 27, 2014
SEBRING — Elliott Moses has lived in Lake Placid since 2001. He has a small business and needed a place of his own.
In 2005 he bought a home, expecting to live in it until he “dropped dead.” He said he put down $40,000 for the $149,000 house, but the timing of his purchase conspired against him like many others in his situation.
When Moses closed on the deal, it was the height of the real-estate boom. The real-estate bubble burst a couple of years later, and Moses’ home value plummeted.
Read Full Story at HighlandsToday.com



Rejected for HARP refi? Try again

April 24, 2014
Q: I've been trying to refinance my Georgia home for at least a year. I have a 7 percent conventional mortgage with a big, locally based bank. I've been told that my loan is a Fannie Mae loan, but I don't qualify for HARP because my original loan was under a first-time home buyer's program with a 3 percent down payment. I owe approximately $87,000, and various websites estimate my home's value at around $74,000. My credit scores are excellent. How can I refinance?
Read Full Story at ChicagoTribune.com



Federal Housing Official: ‘There’s Help Available for Struggling Homeowners’

April 18, 2014
While the housing market continues to recover, it has gone through a rather tumultuous period. Rising unemployment, the banking crisis and unfair lending practices lead to record numbers of foreclosures. Created in 2008, the Federal Housing Finance Agency (FHFA) regulates Fannie Mae, Freddie Mac, and the dozen Federal Home Loan Banks.
Read Full Story at blackenterprise.com



This program aims to help underwater homeowners

April 10, 2014
The Federal Reserve says American homes gained $2.3 trillion in value last year, a huge amount and evidence of growing home values. But while news on the real estate front is generally good, an estimated 9.3 million homes remain “deeply underwater” according to RealtyTrac, situations where property values are at least 25 percent less than the outstanding mortgage debt.
If you have an underwater home and if you want to refinance at today’s rates - then you need to look at the government’s Home Affordable Refinance Program.
Read Full Story at philly.com



Federal Loan Program Can Help Underwater Homeowners

March 16, 2014
Homeowners under water on their mortgages can still take advantage of a federal program to refinance, lenders are reminding the public.
The Home Affordable Refinance Program allows people to refinance a mortgage even when they owe more on their homes than it’s currently worth. The mortgage must be guaranteed through either Freddie Mac or Fannie Mae, and the home must be a primary residence with a loan financed on or before May 31, 2009.
Read Full Story at limaohio.com



Home Affordable Refinance Program Falls as Interest Rates Rebound

March 15, 2014
A federal housing refinance program rolled out in 2009 by the Obama administration has helped about 3 million struggling households lower their monthly mortgage payments by reducing their interest rates. But as interest rates have begun to tick up, the number of homeowners signing up to use the program has continued to decline.
The Home Affordable Refinance Program, known as HARP, had garnered about 3 million refinances nationwide as of November 2013, according to the Federal Housing Finance Agency.
Read Full Story at post-gazette.com



Underwater Homeowners Ignoring Help

February 16, 2014
They’ve called him. They’ve sent him letters. No matter what Huntington Bancshares employees try, one customer continues to rebuff the bank’s efforts to refinance his mortgage under the federal Home Affordable Refinance Program. Doing so would save him $4,000 a year.
Read Full Story at Dispatch.com



U.S. Refinance Program Hits its Stride, Reaches more than 3 Million

February 10, 2014
More than 3 million homeowners have been able to take advantage of a federal program to lower their monthly mortgage payments, a U.S. regulator said on Monday, showing the initiative has made progress even though it still lags initial expectations.
Read Full Story at reuters.com



HARP Refinances Surpass 3 Million Mark

February 10, 2014
The Federal Housing Finance Agency (FHFA) announced that the Home Affordable Refinance Program (HARP) has reached a significant milestone: more than 3 million homeowners have now refinanced their mortgages through the program. This noteworthy achievement is detailed in FHFA’s November Refinance Report.
Read Full Release (and Report) 



Mortgage Program Pans Out

December 31, 2013
The government's Home Affordable Refinance Program stands out among the alphabet soup of initiatives rolled out to stem a wave of foreclosures: It is one that is finally living up to its ambitions.
Nearly 3 million homeowners, including at least 900,000 who owe more than their homes are worth, have been able to refinance their loans under the crisis-era program designed to reach borrowers with little or no equity in their homes...
Read Full Story at WSJ.com (password required)



Second Mortgage? You Can Still Refinance With HARP

December 26, 2013
With mortgage rates remaining near historic lows, you may be able to save money on your monthly payments by refinancing — even if you a have second loan on your home.
Read Full Story at foxbusiness.com



How Would You Spend an Extra $82 a Week

December 23, 2013
Fannie Mae borrowers who have refinanced through the Home Affordable Refinance Program (HARP) have saved an average of $82 per week on their mortgage payments*. That savings could pay for the average household’s weekly clothing costs or about half the weekly grocery bill.
Read Full Story at Yahoo! Homes



Red tape ahead? Bank on that

November 20, 2013
There’s good news for underwater homeowners. If you owe as much or more on your mortgage than your home is worth, you could be eligible to refinance your loan with a lower interest rate through the Home Affordable Refinance Program.
Read Full Story at WashingtonPost.com



Underwater Homes: The Unsinkable Story

November 20, 2013
As rising real estate prices grab headlines, discussion of homeownership retention programs like the Home Affordable Refinance Program (HARP) has faded. But the Federal Housing Finance Agency, which runs HARP, is hoping to catch the ear of about 13,000 troubled Valley homeowners who are eligible for the program.
Read Full Story at VegasSeven.com



What Documents Do You Need for a HARP Refinance?

November 19, 2013
When your mortgage is underwater, but you’re making your monthly payments, the Home Affordable Refinance Program (HARP) lets you refinance your mortgage and change your interest rates and/or the terms of your loan.
Read Full Story at Zillow.com



7 Common HARP Questions Answered

November 7, 2013
The government’s Home Affordable Refinance Program (HARP) has helped millions of homeowners save hundreds of dollars a month on their mortgage payments, and it might help you, too — even if you owe more on your loan than your home is worth.
Read full story at Yahoo! Homes



Can HARP Help You? (It’s Worth Finding Out!)

October 23, 2013
You may have heard about the government’s Home Affordable Refinance Program (HARP) but for some reason — you’re too far underwater, make less money than you used to, have a second mortgage or need to refinance a rental or second home — you think you won’t qualify.
Read Full Story at Zillow



The Rules of Getting a HARP Refinance

October 21, 2013
The government’s Home Affordable Refinance Program (HARP) has helped millions of homeowners save money on their monthly mortgage payments, and it might help you, too — even if you owe more on your loan than your home is worth.
Read Full Story at FOX Business



What’s the Difference Between a Traditional Refinance and a HARP Refinance?

October 17, 2013
Why do people refinance their mortgage? The answer is simple – to lower your interest rate, start building equity in your home faster and change the terms of your mortgage.
Read Full Story at Yahoo! Homes





FHFA partnered with Zillow to explain HARP

October 4, 2013
Zillow partnered with the Federal Housing Finance Agency (FHFA) Thursday to review eligibility requirements for the Home Affordable Refinance Program (HARP) and respond to borrowers confused about the program.
Read Full Story at Trulia



Florida target of federal campaign touting refinance program

October 1, 2013
The Federal Housing Finance Agency is targeting Florida in a campaign touting a years-old mortgage savings program that officials say homeowners aren’t aware of and don’t understand.
Read Full Story at The Palm Beach Post





Fannie Mae Regulator Pushes Refinancing for Underwater Loans

September 23, 2013
A U.S. regulator is starting a campaign to encourage as many as 2 million borrowers with mortgages backed by Fannie Mae and Freddie Mac to refinance with a government program for properties that have lost value.
Read Full Story at Bloomberg.com



60,000 underwater borrowers in Chicago eligible for program

September 23, 2013
More than four years after the Federal Housing Finance Agency established a mortgage refinancing program, the effort has been losing steam. Now the agency is looking for underwater but current borrowers, including almost 60,000 homeowners in the Chicago area, who are eligible to refinance their Fannie Mae and Freddie Mac-backed mortgages to more affordable terms under the Home Affordable Refinance Program.
Read Full Story at Chicago Tribune



HARP is a "No Brainer" – FHFA

September 23, 2013
Feeling that they may have reached only about half of the families who could benefit from the program, the Federal Housing Finance Agency (FHFA) launched a campaign today to inform homeowners about the Home Affordable Refinance Program (HARP). The campaign is aimed at those with higher than prevailing interest rates who are current on their mortgages but have too little equity in their homes to refinance through traditional programs.
Read Full Story at mortagenewsdaily.com



FHFA Launches Campaign for the HARP Program

September 23, 2013
The FHFA launched a program today to properly inform homeowners all over the country about the HARP program. The Home Affordable Refinance Program (HARP) is in place to give homeowners an option to refinance even if their home has lost some value. HARP was designed to help get a more affordable and stable mortgage and has been proven to work for families all over.
Read Full Story at totalmortgage.com



Half-Time Report on HARP Largely Positive

August 9, 2013
The Office of Inspector General (OIG) of the Federal Housing Finance Agency (FHFA) has published an assessment of the Home Affordable Refinance Program (HARP) at what is presumed to be the midpoint of its existence. HARP was designed to assist borrowers with existing mortgages owned or guaranteed by Freddie Mac or Fannie Mae (the GSEs) to refinance even where they had little or no equity, were underwater, in their homes.
Read Full Story at mortagenewsdaily.com



A Better Bargain for the Middle Class: Housing

August 5, 2013
When President Obama took office, our housing market was in free-fall, leaving many families feeling trapped and anxious about their mortgages. The President took immediate action to stabilize our housing market and protect the middle class. These steps helped millions of middle class families stay in their homes, save money on their mortgages, and turn their communities around.
Read Full Story at WhiteHouse.gov



FHFA extends HARP to 2015

April 11, 2013
The Federal Housing Finance Agency directed Fannie Mae and Freddie Mac to extend the Home Affordable Refinance Program by two years to Dec. 31, 2015.
Read Full Story at HousingWire.com