Home Affordable Refinance Program
The Home Affordable Refinance Program, or HARP, helped underwater owners refinance. It ran after the 2008 crash and has since ended.
What Home Affordable Refinance Program means
It let owners with little equity get a better rate. Newer programs now serve low-equity homeowners.
Florida example
A Florida owner who owes near their home's value has options. We check today's low-equity refinance paths.
What it was
The Home Affordable Refinance Program, or HARP, helped underwater homeowners refinance after the 2008 crash. It let owners with little equity get a better rate.
The program has since ended.
What replaced it
Newer programs now help low-equity homeowners refinance. Options exist even if you owe close to your home's value.
We know today's low-equity refinance paths. Apply now and we will see if you can lower your rate.
Related program: Learn more →
Verify the details for your own situation against these government and agency sources: CFPB guide to refinancing and CFPB Owning a Home guide.