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If your mortgage is an FHA, USDA, VA or a jumbo mortgage, you are not HARP-eligible. If you meet these two criteria, you may be HARP-eligible. Your current mortgage must have a note date of no later than May 31, 2009.

Your loan must be backed by Fannie Mae or Freddie Mac.Homeowners, DU Refi Plus, harp mortgage and Relief Refinance. The program is also known as Making Home Affordable, the Obama Refi, A Better Bargain For U.S. The government calls it the Home Affordable Refinance Program. The HARP refinancing program was started in April 2009. Click to see your HARP eligibility (Sep 24th, 2021) What Is A HARP Loan? These are the details of the government’s HARP refinancing program. If you’re underwater on your conforming, conventional mortgage, you may be eligible to refinance to today’s mortgage rates without paying down principal and without having to pay mortgage insurance. This HARP loan information is accurate and current as of today, September 24, 2021. HARP stands for “Home Affordable Refinance Program” and is available to homeowners until December 2018. The HARP mortgage is a home loan refinance program launched in March 2009, which gives homeowners whose homes have lost value the ability to refinance to current mortgage rates without incurring new mortgage insurance, regardless of loan-to-value (LTV). This post will remain active for archival purposes. Read about Freddie Mac’s FMERR Program and Fannie Mae’s HLRO. However, Fannie Mae and Freddie Mac recently rolled out new High LTV refinances.