Home Affordable Refinance Program (HARP)

If you’re current on your mortgage, but have had difficulty refinancing, HARP® could provide a solution. Even if you owe more than your home is worth, if your mortgage is owned by Fannie Mae or Freddie Mac, you could save with HARP.

Prepare What You'll Need


  • With HARP, a homeowner with a mortgage owned by Fannie Mae or Freddie Mac may be able to refinance into a more affordable mortgage.
  • HARP could help you lower you interest rate and mortgage payment.
  • Through HARP, you could switch to a fixed-rate mortgage that won’t change over time.
  • With a shorter-term mortgage, you could build equity even faster.


  • Determine whether your mortgage is owned by Fannie Mae.
  • Determine whether your mortgage is owned by Freddie Mac.
  • Visit HARP.gov for HARP eligibility.


If you have additional questions or need direct assistance, don’t hesitate to reach out for help by calling 615 213-1468. You will be connected with an expert from a HUD-approved housing counseling agency. These counseling experts can help you understand your options, design a plan to suit your individual situation, prepare your application; and in many cases, they’re able to submit the application for you.

Studies suggest that homeowners who work with housing experts like these are more successful and have better long-term outcomes.