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Home Affordable refinance program (HARP)


The application deadline for the Home Affordable Refinance Program® (HARP®) was December 31, 2018. 


​​Histor​y of HARP​®

HARP®​ was established in 2009 to assist homeowners unable to refinance their loans, due to a decline ​in their home value.  HARP began on April 1, 2009 and expired on December 31, 2018.  The program was designed to provide these borrowers with an opportunity to refinance by permitting the transfer of existing mortgage insurance to their newly refinanced loan, or by allowing those without mortgage insurance on their previous loan to refinance without obtaining new coverage.  Over the 10 years that HARP was available, approximately 3,495,500 borrowers completed refinances through HARP, which includes many active loans still outstanding.  Borrowers who refinanced through HARP have had lower delinquency rates compared to borrowers who were eligible for HARP but who did not refinance through the program.

FHFA publishes monthly and quarterly reports on Enterprise refinance programs, including HARP.  You can find new reports here.

Seeking Mortgage Assistance

If you are having difficulty paying your mortgage on time, your lender (also referred to as a mortgage servicer) should be your first call for assistance.  

Their telephone number and mailing address should be listed on your monthly statement.

See Consumer Financial Protection Bureau (CFPB) website for available mortgage tools and resources.

If Fannie Mae or Freddie Mac owns your HARP® loan, you may be eligible for programs designed to make your mortgage more affordable including programs available exclusively to Fannie Mae and Freddie Mac borrowers. 

For example, if your loan is owned by Fannie Mae or Freddie Mac and your loan was originated after Oct. 1, 2017, you may be eligible to refinance under the new High LTV Refinance Program.

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