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Home Affordable Refinance Program (HARP) is a grant from the Federal Housing Finance Agency (FHFA) that funds mortgage refinancing assistance for underwater homeowners. Introduced in early 2009 as part of the Obama Administration's Making Home Affordable program and extended through 2016, HARP allows borrowers who owe more than their home is worth to refinance into lower interest rates or more stable mortgage products.
Eligible mortgages must have been sold to Fannie Mae or Freddie Mac on or before May 31, 2009, and borrowers must be current on payments with no late payment in the past six months. As of August 2011, nearly 894,000 borrowers had refinanced through the program.
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Home Affordable Refinance Program (HARP) | FHFA **updated May 8, 2015 - HARP program extended through 2016. The Federal Housing Finance Agency (FHFA) and the Department of the Treasury introduced HARP in early 2009 as part of the Obama Administration’s 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. Homeowners Helped Since Program Inception As of August 31, 2011, nearly 894,000 borrowers had refinanced through HARP.
HARP is only one refinancing option HARP is only one of several refinancing options available to homeowners. Since April 2009 when HARP began, Fannie Mae and Freddie Mac have helped approximately nine million families refinance into a lower cost or more sustainable mortgage product.
HARP is unique in that it is the only refinance program that enables borrowers who owe more than their home is worth to take advantage of low interest rates and other refinancing benefits. The existing mortgage must have been sold to Fannie Mae or Freddie Mac on or before May 31, 2009. Homeowners can determine if they have a Fannie Mae or Freddie Mac loan by going to: https://yourhome.
fanniemae. com/calculators-tools/loan-lookup or calling 800-7FANNIE (8 am to 8 pm ET) https://freddiemac. com/ or 800-FREDDIE (8 am to 8 pm ET) The program will continue to be available for loans with LTVs above 80 percent.
Borrowers must be current on their mortgage payments with no late payment in the past six months and no more than one late payment in the past 12 months. Borrowers should contact their existing lender or any other mortgage lender offering HARP refinances. **On May 8, 2015, FHFA announced the extension of HARP through 2016.
www. MakingHomeAffordable. gov (Inactive site) or call 1-888-995-HOPE (4673) yourhome.
fanniemae. com/calculators-tools#own www. FreddieMac.
com/avoidforeclosure Corinne Russell (202) 649-3032 / Stefanie Johnson (202) 649-3030
According to the current listing, eligibility includes: Homeowners who are current on their mortgage payments and owe more than their home is worth. Confirm the full requirements in the official notice before applying.
Home Affordable Refinance Program (HARP) is funded by Federal Housing Finance Agency (FHFA). Verify program details on the funder's official page before applying.
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