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  • The top five states with the highest numbers of borrowers that remain eligible for a HARP refinance are Florida, Ohio, Illinois, Michigan and Georgia.
  • Effective December 1, local community organizations will be given the opportunity to review and purchase foreclosed properties owned by Fannie Mae or Freddie Mac in 18 additional metropolitan areas.
  • FHFA unveiled an<a href='http://harp.gov/Default.aspx?Page=363'> interactive online map</a> indicating the number of estimated "in-the-money" borrowers eligible for HARP in every zip code, county and MSA in the country.
  • The Duty to Serve Proposed Rule was published on 12/18/2015. The 90-day comment period will end 3/17/2016.  To submit comments, view <a href="/SupervisionRegulation/RegulationFederalRegister/Pages/Open-for-Comment.aspx">all items open for comment.</a>
  • The FHFA HPI reported a 1.3 percent increase in U.S. house prices in the third quarter of 2015.  From 2014Q3 to 2015Q3, house prices were up 5.7 percent.
  • Millions of homeowners have taken this route to refinance their mortgages. To see if you qualify visit www.HARP.gov.
  • FHFA Continues Outreach Efforts on HARP

    The top five states with the highest numbers of borrowers that remain eligible for a HARP refinance are Florida, Ohio, Illinois, Michigan and Georgia.

  • Neighborhood Stabilization Initiative Expansion

    Effective December 1, local community organizations will be given the opportunity to review and purchase foreclosed properties owned by Fannie Mae or Freddie Mac in 18 additional metropolitan areas.

  • Zoom in to the numbers

    FHFA unveiled an interactive online map indicating the number of estimated "in-the-money" borrowers eligible for HARP in every zip code, county and MSA in the country.

  • RULEMAKING

    The Duty to Serve Proposed Rule was published on 12/18/2015. The 90-day comment period will end 3/17/2016. To submit comments, view all items open for comment.

  • HPI Shows Gains for 17 Consecutive Quarters

    The FHFA HPI reported a 1.3 percent increase in U.S. house prices in the third quarter of 2015. From 2014Q3 to 2015Q3, house prices were up 5.7 percent.

  • Number of HARP borrowers surpassed the 3.3 million mark

    Millions of homeowners have taken this route to refinance their mortgages. To see if you qualify visit www.HARP.gov.

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Spotlight Topic​​

Your Best route to a better mortgage

Home Affordable Refinance Program

HARP - the Home Affordable Refinance Program - has been extended through 2016.  HARP was created by FHFA specifically to help homeowners who are current on their mortgage payments, but who are underwater on their mortgages. That is, they owe almost as much or more than the current value of their homes. Check out this interactive online map​ that shows the numbers of estimated borrowers eligible for HARP in every zip code, county, and Metropolitan Statistical Area in the country. To see if you qualify for HARP go to HARP.gov.

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House Price Information

*2016 HPI Release Dates  
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House Price Index

House Price Index

Download the latest House Price Index for
            2015 Q3​ in PDF format.

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​Housing Market Indicators​​​​

Mortgage Rates

Weekly Primary Mortgage Market Survey®Current Week
02/04/2016
Previous Week
01/28/2016
30-Year Fixed Mortgages3.72%3.79%
15-Year Fixed Mortgages3.01%3.07%
5/1-Year Adjustable Rate Mortgages2.85%2.90%
1-Year Adjustable Rate MortgagesNANA
Weekly Primary Mortgage Market Survey is a registered mark of Freddie Mac.

House Prices

HPI-SourceQuarterly Change 2015Q2-2015Q3Four-Quarter Change 2014Q3-2015Q3
"Purchase-Only" U.S Index
(Seasonally Adjusted)
1.3%5.7%
"Expanded-Data" U.S Index
(Seasonally Adjusted)
1.0%5.8%
© 2016 Federal Housing Finance Agency