Introduced in March 2009, the Home Affordable Refinance Program (HARP) enabled borrowers, whose loans were owned by Fannie Mae or Freddie Mac and who had little or no equity, to refinance into more affordable mortgages without new or additional mortgage insurance. HARP targeted borrowers with loan-to-value (LTV) ratios equal to or greater than 80 percent and who had limited delinquencies over the 12 months prior to refinancing.
The end date to get a HARP refinance was December 31, 2018. All HARP borrower loan applications had to be filed on or before December 31, 2018 and delivered by the loan originators to Fannie Mae or Freddie Mac for purchase no later than September 30, 2019.
For more information please visit https://www.makinghomeaffordable.gov/