HARP 2.0 (Home affordable refinance program) helps you reduce your rate and payment even if you are underwater on your mortgage.

HARP Guidelines. You must benefit from the HARP loan – either from a lower monthly payment or by migrating to more predictable loan product (typically moving from an adjustable-rate mortgage (ARM) to a fixed-rate mortgage). Remember the "A" in HARP stands for Affordability; the government is hoping to help people "afford".

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The previous guidelines for HARP loans processed through the manual underwriting channel (refi Plus) put the onus on lenders to determine that the borrower had a reasonable ability to repay the.

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However, HARP has certain very specific guidelines. In the vast majority of cases, you can only use it once. It’s also meant for homeowners who last refinanced or bought a home through Fannie Mae or Freddie Mac no later than May 31, 2009.

Current 2018 HARP guidelines are as follows. The current loan must be owned by Fannie Mae or Freddie Mac. The loan must have closed by May 31, 2009. The current loan-to-value must be greater than 80% (your loan amount is 81%+ of the home’s value). No 30-day late payments in the last 6 months.

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While HARP was created to help homeowners struggling with high mortgages, it was not designed for those already behind on their mortgages, or those who have filed, or are in the process of filing, for foreclosure. As such, if you have missed one or more mortgage payments, you will not be able to qualify for a HARP loan.

For Immediate Assistance Call 888-995-HOPE (4673) (Hearing impaired: 877-304-9709 TTY) Let an expert from a HUD-approved housing counseling agency help you understand your options, prepare your application, and work with your mortgage company.