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​Program Deadline: Extended through December 2018.​

If you are a homeowner visit our Homeowner/Homebuyer section of this website or www.HARP.gov.

3+ Million Helped

HARP has helped more than three million people refinance.

Eligibility Requirements


  1. Fannie Mae or Freddie Mac must own or guarantee the loan.

  2. The loan was originated on or before May 31, 2009.

  3. The current loan-to-value (LTV) ratio must be greater than 80 percent.

  4. The borrower must be current on their mortgage with no late payment in the last six months and no more than one late payment in the last 12 months.

Borrowers can visit: www.HARP.gov or look up to see if their mortgage qualifies by visiting Fannie Mae's and Freddie Mac's mortgage look up tools. This is the first step to determining if they qualify.

Borrowers should contact their existing lender or any other mortgage lender offering HARP refinances.


Our Goal

Create refinancing opportunities for eligible borrowers, while reducing risk for Fannie Mae and Freddie
Mac and bringing a measure of stability to housing markets.


HARP Introduced in 2009

FHFA and the Department of the Treasury introduced HARP in early 2009 as part of the Making Home Affordable program.

HARP provides borrowers, who may not otherwise qualify for refinancing because of declining home values or reduced access to mortgage insurance, the ability to refinance their mortgages into a lower interest rate and/or more stable mortgage product.

2011 Program Enhancements


  1. Eliminated certain risk-based fees for borrowers refinancing into shorter-term mortgages and lowered fees for other borrowers.

  2. Removed the 125 percent LTV ceiling for fixed-rate mortgages backed by Fannie Mae and Freddie Mac.

  3. Waived certain representations and warranties that lenders commit to in making loans owned or guaranteed by Fannie Mae and Freddie Mac.

  4. Eliminated the need for a new property appraisal where there is a reliable AVM (automated valuation model) estimate provided by either Fannie Mae or Freddie Mac.

  5. Extended the end date for HARP to December 31, 2013. (Note: the deadline was extended to December 31, 2015 in 2013)

The program enhancements were developed at FHFA’s direction with input from lenders, mortgage insurers and other industry participants.


Related Information

FHFA Announces Modifications to High LTV Streamlined Refinance Program and Extension of HARP Through December 2018 (August 17, 2017 News Release)
FHFA Announces New Streamlined Refinance Offering for High LTV Borrowers: HARP Extended through September 2017 (August 25, 2016 News Release)
HARP Refinances Surpass 3.4 Million (May 16, 2016 News Release)
FHFA Extends HARP to 2016 (May 8, 2015 News Release)
HARP Refinances Top 3.2 Million (November 26, 2014 News Release)
FHFA Announces New HARP Outreach (June 25, 2014 News Release) 
FHFA Launches National Education Campaign (September 23, 2013 News Release) 
FHFA Extends HARP to 2015 (April 11, 2013 News Release) 
FHFA, Fannie Mae and Freddie Mac Announce HARP Changes to Reach More Borrowers (October 24, 2011 News Release) 
Home Affordable Refinance Program (HARP) (October 24, 2011 - Fact Sheet)
Lender FAQ - HARP Phase II (October 24, 2011)
Fannie Mae Instructions for Lenders
Freddie Mac Instructions for Lenders 

For the latest Fannie Mae and Freddie Mac loan modification and refinance (HARP) figures please see FHFA's Foreclosure Prevention & Refinance Reports.

Additional program information is available at www.fanniemae.com and www.freddiemac.com.


HARP Branding Guidelines

The phrase “Home Affordable Refinance Program,” the acronym “HARP,” and HARP® logo (“HARP Marks”) are trademarks that belong to FHFA. These marks are not in the public domain and their use must be ​​authorized by FHFA. FHFA’s authorization to use the HARP Marks is subject to compliance with the terms and conditions described in these guidelines​. Use of the HARP® logo requires the prior written approval of FHFA.​​​

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