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Who qualifies for the HARP refinance program?

The Home Affordable Refinance Program (HARP) helped over 3.4 million homeowners refinance their mortgages, but it officially ended on December 31, 2018. While the program is no longer active, understanding who qualified for the HARP refinance program can provide context for today's high loan-to-value refinance options. This guide explains the historical eligibility criteria and details the successor programs for current homeowners.