HOME AFFORDABLE REFINANCE PROGRAM LOANS (HARP)
HARP is a federal program established in 2008 to help responsible and underwater or near underwater homeowners refinance their mortgages to a lower rate. Through HARP, homeowners with loans held by Fannie Mae or Freddie Mac on or before 5/31/09, and have been current with their mortgage payments, may qualify for HARP refinance rates.