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Home Affordable Refinance Program (HARP)

If you're current on your mortgage, but have had difficulty refinancing, HARP® could provide a solution. Even if you owe more than your home is worth, if your mortgage is owned by Fannie Mae or Freddie Mac, you could save with HARP.

Application Deadline: September 30, 2017

NEXT STEP: Prepare What You'll Need ›

Features and Benefits

  • With HARP, a homeowner with a mortgage owned by Fannie Mae or Freddie Mac may be able to refinance into a more affordable mortgage.
  • HARP could help you lower you interest rate and mortgage payment.
  • Through HARP, you could switch to a fixed-rate mortgage that won't change over time.
  • With a shorter-term mortgage, you could build equity even faster.


  • Determine whether your mortgage is owned by Fannie Mae.
  • Determine whether your mortgage is owned by Freddie Mac.
  • Visit for HARP eligibility.


Similar Programs

Federal Housing Administration (FHA), Veterans Affairs (VA), and U.S. Department of Agriculture (USDA) also offer mortgage solutions for homeowners with mortgages they own, insure, or guarantee.

Find out whether your mortgage is owned, insured, or guaranteed by FHA, VA, or USDA, and learn more about the Making Home Affordable (MHA) programs and other resources they've designed to address your needs.

Complementary MHA Programs

If you're current on your mortgage and your mortgage is not FHA-insured, MHA's FHA Short Refinance for Borrowers with Negative Equity (FHA Short Refinance) could be another good option for you.

For More Information

Visit the Learning Center for Frequently Asked Questions (FAQs) and the Glossary of Key Terms.

If you have additional questions or need direct assistance, don't hesitate to reach out for help by calling 888-995-HOPE (4673). You will be connected with an expert from a HUD-approved housing counseling agency. These counseling experts can help you understand your options, design a plan to suit your individual situation, prepare your application; and in many cases, they're able to submit the application for you.

Studies suggest that homeowners who work with housing experts like these are more successful and have better long-term outcomes. There is no cost to you for this valuable, around-the-clock service. Help is available in more than 170 languages.

Last Updated: 9/9/2016 9:34