The HARP 2.0 program is called “Making Home Affordable, the Obama Refi.” The Federal Housing Finance Agency created the program in March 2009 to allow those with a loan-to-value ratio exceeding 80% to refinance without paying for mortgage insurance.
To be eligible for the HARP refinance program: Your loan must be backed by Fannie Mae or Freddie Mac. Current LTV (loan to value) must be greater than 80%. Must be current with no past due payments in 12 months. The home must have been purchased on or before 5/31/2009.
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