A Refinancing Option for Underwater Homeowners

Introducing version 2.0 of the Home Affordable Refinance Program (HARP).

HARP is a special government mortgage refinance program designed to help homeowners who owe more on their mortgage than their home is worth.To be eligible, your mortgage must be backed by Fannie Mae or Freddie Mac with a “closed date” prior to June 1, 2009 and you must be current on your mortgage payments.

unlimited loan-to-value ceiling for fixed-rate mortgages

Eliminating certain risk-based fees for borrowers who refinance into shorter-term mortgages and lowering fees for other borrowers

Eliminating the need for a new property appraisal where there is a reliable AVM (automated valuation model) estimate provided

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