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Chris Lamm

Information and next steps

HARP Has Ended: Reviewing Refinance Options

Reviewed

The Home Affordable Refinance Program, known as HARP, expired in December 2018. This page no longer advertises HARP as an available loan program.

What the old program addressed

HARP helped certain borrowers refinance mortgages with high loan-to-value ratios. Its former eligibility rules are historical information and should not be used to determine whether a refinance is available today.

Review your current situation

A current review starts with your existing mortgage, the property, your goal and the costs of changing the loan. Ask the team to compare applicable options and the time it would take for any savings to cover the costs. A refinance is not automatically beneficial.

Source: FHFA confirmation that HARP expired.

Review the refinance guide or ask about your existing mortgage.

Rates and terms subject to change without notice. Not a commitment to lend. Not available in all states. This is not tax, legal, or financial advice. Consult a qualified professional for your specific situation.

Private lender. Not affiliated with or endorsed by the U.S. Department of Veterans Affairs or any government agency.

Reverse mortgage borrowers must complete a counseling session with a HUD-approved counselor before applying. This material is not from HUD or FHA and has not been approved by HUD or any government agency.

Browse the article archive or send the team a question.