HARP Program Mortgage Loan Atlanta GA slashes payments - HARP Refinance A lot of homeowners with underwater mortgages would like to refinance, but they don’t qualify for HARP (the federal home affordable refinance program). And HARP will be expiring soon anyway. Do they have other options? Surprisingly, yes. There are other ways you can refinance a negative-equity mortgage if you don’t qualify for HARP.

The Home Affordable Refinance Program, or HARP has helped millions of underwater homeowners. But millions more are not eligible because their loan is not owned by Fannie Mae or Freddie Mac. Still others are not eligible for HARP because they. have used HARP before on the same property; closed their loan after May 31, 2009

HARP 3 Mortgage Refinance News. by "Left Out" in California HARP 3.0 Mortgage Refinance News: Hi Kate – I have an underwater mortgage but am not eligible for HARP or HAMP. I don’t want to walk away from my home, but it seems I don’t qualify for any mortgage modifications since I refinanced into my current loan after the May 2009 cutoff.

As many now know, the Making Homes Affordable Program aka Harp 2 Refinance. and/or second mortgages, whose loans are not owned by Fannie Mae or Freddie Mac and subsequently are upside down and.

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Many homeowners with "underwater mortgages" can still refinance their loan with. Any borrower with an LTV ratio below 80 percent is not eligible for a HARP refinance. However, both GSEs do offer.

The home affordable refinance program (harp) is a federal refinance program targeting underwater homeowners. First announced in March 2009, HARP is designed for homeowners who are current on their mortgage payments, but who haven’t been able to refinance because they have limited equity, no equity or negative equity in their homes.

Here’s how to find your options for refinancing if you are underwater. Once a lender determines that you are eligible for a HARP refi, they’ll help you apply. However, if your mortgage is not owed.

Am I Eligible For The HARP Program? The Home Affordable Refinance Program (HARP) is a streamline refinance program created to help eligible borrowers who have continued to make their mortgage payments, but may be unable to refinance over recent years due to a decline in their home value.

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