• Annual Report to Congress now available
  • U.S. House Prices Rise 1.1% in Fourth Quarter
  • FHFA ANNOUNCES 2019 CONFORMING LOAN LIMITS
  • Introducing Mortgage Translations on FHFA.gov
  • OMWI 2018 Annual Report to Congress
  • FHFA requests comments on rules open for comment
  • Annual Report to Congress now available

    Annual Report to Congress now available

  • U.S. House Prices Rise 1.1% in Fourth Quarter of 2018

    U.S. House Prices Rise 1.1% in Fourth Quarter

  • FHFA ANNOUNCES 2019 CONFORMING LOAN LIMITS

    FHFA ANNOUNCES 2019 CONFORMING LOAN LIMITS

  • View our collection of translated documents and tools

    Introducing Mortgage Translations on FHFA.gov

  • FHFA publishes 2018 Office of Minority and Inclusion Report

    OMWI 2018 Annual Report to Congress

  • FHFA requests comments on rules.

    FHFA requests comments on rules open for comment

Your Best route to a better mortgage  

Home Affordable Refinance Program

HARP - the Home Affordable Refinance Program - 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. To see if you qualify go to HARP.gov.​​​​​​​

FHFA is working to strengthen and secure the United States secondary mortgage markets by providing effective supervision, sound research, reliable data, and relevant policies.

We are an independent regulatory agency responsible for the oversight of vital components of the secondary mortgage markets - the housing government sponsored enterprises of Fannie Mae, Freddie Mac and the Federal Home Loan Bank System. Combined these entities provide more than $5.9 trillion in funding for the U.S. mortgage markets and financial institutions.  Additionally, FHFA is the conservator of Fannie Mae and Freddie Mac.

We are building a better secondary mortgage market for the future. FHFA's pursuing a series of initiatives and strategies to improve the future system of housing finance. One important initiative is the creation of a new Common Securitization Platform that will serve the dual purpose of modernizing current outdated infrastructures and provide the potential for other market participants to use the same infrastructure.

We work with those we regulate to preserve homeownership through the Home Affordable Refinance Program (HARP) and the Home Affordable Modification Program (HAMP). The programs provide real help to homeowners and communities - to date these programs have helped millions of Americans remain in their homes.

FHFA was created on July 30, 2008, when the President signed into law the Housing and Economic Recovery Act of 2008.