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25 Sep 2018 The Home Affordable Refinance Program launched in 2009. Fannie Mae and Freddie Mac recently launched a HARP public relations campaign However, in accordance with HARP guidelines, you cannot combine your Fannie Mae's Loan Lookup tool helps you quickly determine if Fannie Mae owns Refinance;; Modify your mortgage;; Request disaster-recovery assistanceIf you got your mortgage loan at a bank, credit union or mortgage company, it may be owned by Fannie Mae or Freddie Mac. If so, you could qualify for HARP refinancing and you could save thousands with a lower rate or other more favorable terms. 21 Mar 2018 Should you refinance under HARP, or wait for new programs? To qualify for a HARP refinance now, you must meet these requirements: Fannie Mae's program is called the High Loan-to-Value Refinance Option; Freddie 19 Dec 2018 However, you can't refinance a HARP mortgage to either of these HARP Fannie Mae guidelines say that borrowers must owe more than 97 FHFA Home Affordable Refinance Program site -- helping homeowners who've seen drop in home values Your loan is owned by Freddie Mac or Fannie Mae. “If your mortgage is owned or guaranteed by either Freddie Mac or Fannie Mae, you may be eligible to refinance your mortgage under the enhanced and expanded provisions of HARP.” HARP – the Home Affordable Refinance Program – was introduced in 2009 by FHFA as part of Making Your loan is owned by Freddie Mac or Fannie Mae. 30 Nov 2018 Mortgage lenders are looking for borrowers with solid incomes, good assets and quality credit scores. Here is the full list of HARP requirements: The mortgage must be owned or guaranteed by Fannie Mae or Freddie Mac. The mortgage must have been sold to Fannie Mae or Freddie Mac on or before May 31, 2009. 11 Sep 2018 The Home Affordable Refinance Program (HARP) is designed to assist .. Fannie Mae's policy guidelines for refinance transactions require