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This document provides instructions and terms and conditions for using the HARP consumer solicitation materials available for Fannie Mae-approved lenders and servicers.
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How to fill out home affordable refinance program

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How to fill out Home Affordable Refinance Program (HARP)

01
Check if you qualify for HARP by ensuring your mortgage is owned by Fannie Mae or Freddie Mac.
02
Confirm that your loan is current and has not been late in the last 12 months.
03
Gather necessary documentation, including income verification, tax returns, and credit reports.
04
Contact your current mortgage lender or a HARP-approved lender to discuss your refinance options.
05
Complete the HARP application process with the chosen lender, providing all required information.
06
Review the loan terms and conditions, including interest rates and fees, before signing.
07
Close on the new loan, ensuring you understand all the details.

Who needs Home Affordable Refinance Program (HARP)?

01
Homeowners with Fannie Mae or Freddie Mac loans who are underwater or owe more than the home is worth.
02
Borrowers looking to lower their monthly mortgage payments.
03
Homeowners seeking to refinance to a more stable loan with fixed interest rates.
04
Those who have consistently made on-time mortgage payments despite financial hardships.
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How Did the HARP Loan Program Work? The HARP mortgage program allowed borrowers with mortgage loan balances that exceeded their property values to refinance their loans at a lower interest rate. The government program began on April 1, 2009, and ended on December 31, 2018.
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FMERR is the HARP replacement for borrowers with Freddie Mac loans. This stands for 'Freddie Mac Enhanced Relief Refinance. ' HIRO, which stands for 'High LTV Refinance Option,' is the HARP replacement program for borrowers with Fannie Mae loans.
The Home Affordable Refinance Program®, or HARP, ended on December 31, 2018. HARP was a government refinance program enacted after the 2008 financial crisis.
BACKGROUND AND PURPOSE. The purpose of the Relief RefinanceSM/Home Affordable Refinance Program (HARP) is to help bor- rowers with little or no equity in their homes refinance into more affordable mortgages. HARP is for borrow- ers whose loans are owned by Freddie Mac or Fannie Mae.
After the 2008 financial crisis, the Home Affordable Refinance Program (HARP) helped people who owed more than their home was worth to avoid foreclosure. But, although the HARP program ended a few years ago, there are still options for homeowners who have negative equity in their homes and need to refinance.
The Refi Plus™/Home Affordable Refinance Program (HARP) helps borrowers with little or no equity in their homes refinance into more affordable mortgages. HARP targets borrowers with high loan-to-value (LTV) ratios and who have limited delinquencies over the 12 months before refinancing.

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The Home Affordable Refinance Program (HARP) was a government initiative aimed at assisting homeowners in refinancing their mortgages, even if they owed more than the home's current value. It was particularly designed for borrowers who were struggling to refinance due to a decrease in property values.
Homeowners with a mortgage backed by Fannie Mae or Freddie Mac who are current on their payments and have a loan-to-value ratio greater than 80% were eligible to apply for the Home Affordable Refinance Program (HARP).
To fill out the Home Affordable Refinance Program (HARP) application, homeowners need to gather their mortgage information, including loan statements, proof of income, and details about their property. They can then contact their lender or use an authorized lender to complete the application process.
The purpose of the Home Affordable Refinance Program (HARP) is to help homeowners refinance their mortgages to more favorable terms, lower their monthly payments, and make their mortgage more affordable, thus helping prevent foreclosures.
Information required for the Home Affordable Refinance Program (HARP) includes personal identification details, financial information such as income and debt levels, mortgage loan details, property information, and the current status of mortgage payments.
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