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Buying a home this spring?. Streamline Refinance Program to Replace HARP. Dec 04, 2018. michele lerner HSH.com. Read Time: Homeowners with a high loan-to-value or who are underwater and owe more on their mortgage than their home is worth will have a new refinance option in October 2017. While.
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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.