Government Home Affordable Refinance Program (HARP)

The HARP program expired in December 2018 and is no longer available. Speak to one of our certified coaches to discuss other options that may available to you.

HARP Program Now Allows More Homeowners To Refinance

Federal regulators have made key changes to HARP, the Home Affordable Refinance Program designed to help borrowers who owe more on their loans than their house is worth. Many homeowners pay their mortgages on time, but are not able to refinance to take advantage of today’s lower mortgage rates, mainly due to a significant decrease in the value of their home. A Home Affordable Refinance will help borrowers refinance their first mortgage even if the balance owed is more than the home value.

HARP Refinance Program Enhancements

  • You can be “underwater” and owe more than 100 percent of the current value of your home. There is no ceiling to how much you owe over your home’s current value.
  • Program is now extended to Dec. 31, 2013.
  • You must not have been more than 30 days past due on your mortgage in the most recent 6 months.

To find out the details on if you qualify and how you can apply for the HARP program, contact a nonprofit mortgage adviser from, a HUD-approved agency. Your individual financial and mortgage situation will be reviewed, your options will be explained to you and an action plan outlining your next steps will be created at no charge to you.



Our Pre-Purchase Coaching and Home Buyer Education will help you become a successful homeowner.Our Pre-Purchase Coaching and Home Buyer Education will help you become a successful homeowner.

About The Author

Melinda Opperman is an exceptional educator who lives and breathes the creation and implementation of innovative ways to motivate and educate community members and students about financial literacy. Melinda joined in 2003 and has over two decades of experience in the industry.