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A Homeowner's guide to navigating HARP 2.0. We are here to provide you the info and assistance necessary to get you on your way.

LATEST INFORMATION Effective November 16, 2013

No more 3% down on purchases.

Treatment of short sale & deed-in-lieu of foreclosure reporting by creditors has been clarified.

Borrower's who are doing the DU Refi+ (Making Home Affordable) refinance program and have had a prior bankruptcy, foreclosure, deed-in-lieu of foreclosure, or preforeclosure sale will no longer have to abide by the standard waiting period requirements.

What is HARP?

If you're not behind on your mortgage payments but have been unable to get traditional refinancing because the value of your home has declined, you may be eligible to refinance through MHA's Home Affordable Refinance Program (HARP). HARP is designed to help you get a new, more affordable, more stable mortgage. HARP refinance loans require a loan application and underwriting process, and refinance fees will apply.

Program Availability

Ask your specialist if the company to which you make your mortgage payments to participates in HARP. Not all mortgage servicers do. Program ends December 31, 2015.


You may be eligible for HARP if you meet all of the following criteria:

  • The mortgage must be owned or guaranteed by Freddie Mac or Fannie Mae.
  • The mortgage must have been sold to Fannie Mae or Freddie Mac on or before May 31, 2009.
  • The mortgage cannot have been refinanced under HARP previously unless it is a Fannie Mae loan that was refinanced under HARP from March-May, 2009.
  • The current loan-to-value (LTV) ratio must be greater than 80%.
  • The borrower must be current on the mortgage at the time of the refinance, with a good payment history in the past 12 months.
**Eligibility criteria are for guidance only. Contact your mortgage servicer to see if you are eligible for HARP.**

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