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The Home Affordable Refinance Program (HARP) is a federal program of the United States, set up by the Federal Housing Finance Agency in March 2009, to
Home Affordable Refinance Program
Home_Affordable_Refinance_Program
Replacement of one debt obligation with another under different terms
Refinance: When the Home Affordable Refinance Program (HARP) was launched in 2009, it sought to help homeowners with underwater mortgages refinance their
Refinancing
through HAMP. Home Affordable Foreclosure Alternatives Program (HAFA), helps homeowners exit their homes and transition to a more affordable living situation
Making_Home_Affordable
Agriculture) mortgages; no closing cost refinancing; and HARP (Home Affordable Refinance Program) refinancing options. The company is known for its philanthropy
James_B._Nutter_&_Company
A short refinance is a United States mortgage refinancing where a lender agrees to refinance a borrower's home for the current market value to avoid foreclosure
Short_refinance
2011–2012 Barack Obama policy initiative
Can't Wait program, along with the brief description, and the date issued. Expanded eligibility for the Home Affordable Refinance Program (HARP) (October
We_Can't_Wait
Legal process where a lender recoups an unpaid loan
Foreclosure Stripping Home Affordable Modification Program (HAMP) Home Affordable Refinance Program (HARP) HUD auction Loss mitigation Occupy Homes Repossession
Foreclosure
2009 program addressing the sub-prime mortgage crisis in the US
phenomenon. Home Affordable Modification Program (HAMP) Home Affordable Refinance Program (HARP) Making Home Affordable "Homeowner Affordability and Stability
Homeowners Affordability and Stability Plan
Homeowners_Affordability_and_Stability_Plan
distinct programs depending on borrower needs: Home Affordable Modification Program: HAMP Home Affordable Refinance Program: HARP Home Affordable Foreclosure
Loan_modification_company
Type of mortgage loan in the United States
where allowed by state laws. In a refinance where the loan is a VA loan refinancing to VA loan (IRRRL Refinance), the veteran may borrow up to 100.5%
VA_loan
Topics referred to by the same term
extremely large gun Harp (surname) Home Affordable Refinance Program, a US government program to help homeowners refinance their mortgages Lamp harp Search
Harp_(disambiguation)
Affordable housing is housing that is deemed affordable to those with a median household income as rated by the national government or a local government
Affordable_housing_by_country
a continuum ranging from market-based options like affordable rental housing and affordable home ownership, to non-market alternatives such as government-subsidized
Affordable_housing_in_Canada
Housing program in New York
limited-dividend programs accelerated in the 2000s. When a building is privatized, it loses its tax abatement, the owner generally must refinance the mortgage
Mitchell–Lama_Housing_Program
United States housing crisis
HAMP. Another initiative, the Home Affordable Refinance Program (HARP) enabled homeowners with underwater loans to refinance. Critics, including housing
2010 United States foreclosure crisis
2010_United_States_foreclosure_crisis
US Federal Housing Administration mortgage insurance
purchase, refinance, or renovate a primary residence, and are especially valuable for buyers seeking affordability and stability in their home financing
FHA_insured_loan
Action by the U.S. Treasury to lessen the subprime mortgage crisis
involved in planning and implementing the Making Home Affordable and the Home Affordable Refinance programs. The report notes: As of March 31, 2009, seriously
Federal takeover of Fannie Mae and Freddie Mac
Federal_takeover_of_Fannie_Mae_and_Freddie_Mac
Provider of mortgage loan servicing
Ocwen was a participant in the U.S. Treasury Department's Home Affordable Modification Program (HAMP), which was designed to use loan modifications to help
Onity_Group
Independent California state agency
California. CalHFA’s Mixed-Income Program provides long-term subordinate financing for new construction of affordable multifamily developments that provide
California Housing Finance Agency
California_Housing_Finance_Agency
American businessman
contributing to the Home Affordable Modification Program. The purpose of this program was to ease the impact of the foreclosure of homes of millions of homeowners
Seth_Wheeler
in cases where borrowers remain current on their loans but cannot refinance or afford the higher payments after reset. An important component of the industry-led
Loan modification in the United States
Loan_modification_in_the_United_States
Rental assistance for low-income households
Act of 1974 created the Section 8 Housing Program to encourage the private sector to construct affordable homes. This kind of housing assistance assists
Subsidized housing in the United States
Subsidized_housing_in_the_United_States
New York State public-benefit corporation providing mortgage financing
residential mortgage funds and support affordable homeownership. It offers below-market fixed-rate mortgages and related programs for eligible low- and moderate-income
State of New York Mortgage Agency
State_of_New_York_Mortgage_Agency
US act of congress to address the subprime mortgage crisis
two large U.S. suppliers of mortgage funding. States were authorized to refinance subprime loans using mortgage revenue bonds. Enactment of the Act led
Housing and Economic Recovery Act of 2008
Housing_and_Economic_Recovery_Act_of_2008
Video distributed for home viewing
producing special-interest home videos, also known as "nontheatrical programming" and "alternative programming". These new video programs differed radically from
Home_video
Market value of a homeowner's unencumbered interest in their real property
cash-out refinance mortgages and their borrowers between 2013 to 2023". Consumer Financial Protection Bureau. Retrieved 2025-04-26. "Cash-out refinance loan"
Home_equity
American manufactured housing company
they can’t afford and in homes that are almost impossible to sell or refinance." Several federal investigations were begun. Clayton Homes was further
Clayton_Homes
Mortgage larger than is normally allowed
exceed one and a half percentage points. It can be more expensive to refinance a jumbo loan due to the closing costs. Some lenders will offer the service
Jumbo_mortgage
Part of the Housing Act of 1937 (US)
Rents (SAFMRs) program refines these calculations to the zip code level in major metropolitan areas. Federal housing assistance programs started during
Section_8_(housing)
2025 legislation in the United States
federal funds in Medicaid, the Children's Health Insurance Program (CHIP) and the Affordable Care Act from being used to pay for gender-affirming care
One_Big_Beautiful_Bill_Act
Video-sharing platform
YouTube music video spoof to encourage young Americans to enroll in the Affordable Care Act (Obamacare)-compliant health insurance. In February 2014, U.S
YouTube
U.S. Federal government department
(Ginnie Mae) The major program offices are: Community Planning and Development: Many major affordable housing and homelessness programs are administered under
United States Department of Housing and Urban Development
United_States_Department_of_Housing_and_Urban_Development
Loan to homeowners without monthly payments
spouse was unable to pay off or refinance the reverse mortgage balance, he or she was forced either to sell the home or lose it to foreclosure. This often
Reverse_mortgage
Ongoing armed conflict in West Asia
expanded efforts to increase production capacity through programs aimed at scaling lower-cost "affordable mass" munitions and involving non-traditional defense
2026_Iran_war
American politician and attorney (born 1951)
refinancing. By 2013, Kennedy said he had "refinanced virtually all of the state's debt". In 2014, Kennedy worked to refinance $229 million in bond debt. The project
John Kennedy (Louisiana politician)
John_Kennedy_(Louisiana_politician)
American sitcom (2021-2023)
Ratings: Positive Opening for Kung Fu on The CW; Modest Home Economics on ABC". Programming Insider. Retrieved May 2, 2021. Berman, Marc (April 15, 2021)
Home_Economics_(TV_series)
Worldwide economic crisis
trying to keep their homes from going into default got housing credits. A package of policies was passed that let borrowers refinance their loans even though
2008_financial_crisis
US system for funding energy efficiency upgrades
borrowers participating in the PACE program to obtain other, more traditional sources of financing (such as refinancing their home mortgage) or to sell their house
PACE_financing
Nonprofit organization in Culver City, California, United States
more than 63,000 affordable homes throughout California. Century Housing, and its predecessor, the Century Freeway Housing Program (CFHP), was initially
Century_Housing_Corporation
2007 mortgage crisis in the United States
to refinance their mortgages after a year or two of appreciation. As a result of the depreciating housing prices, borrowers' ability to refinance became
Subprime_mortgage_crisis
formatting in Cascading Style Sheets (CSS) and with programming capability by JavaScript. AJAX programming delivered dynamic content to users, which sparked
History_of_the_World_Wide_Web
Housing development in Brooklyn, New York
property remained affordable. This agreement was further buttressed by federal legislation, which made preserving the property as affordable housing easier
Starrett_City
Real estate brokerage company
2010, the Obama administration announced the "Home Affordable Foreclosure Alternatives" (HAFA) program. Leaders from the U.S. Treasury Department and
RE/MAX
American lawyer and politician (born 1946)
consumers deeper into debt" and "broke promises that homeowners could refinance, condemning them to hopelessly unaffordable loans." The lawsuit demanded
Richard_Blumenthal
2017 film by Greta Gerwig
cannot afford out-of-state tuition. Despite Marion's concerns, Larry secretly encourages her to apply to her dream schools, resolving to refinance their
Lady_Bird_(film)
Library in Chicago, Illinois
Area Median Income, that any building refinanced through the Preservation of Existing Affordable Rentals program must reserve 10% of units for those making
Barack Obama Presidential Center
Barack_Obama_Presidential_Center
ISSN 1084-9513. JSTOR 30246784. David Albright (July 1994). "South Africa and the Affordable Bomb – The flash in the Atlantic". Bulletin of the Atomic Scientists.
Israel_and_nuclear_weapons
System of pipes used to transport fluids
assistance of a specialized (finite element) pipe stress analysis computer programs such as AutoPIPE, CAEPIPE, CAESAR, PASS/START-PROF, or ROHR2. In cryogenic
Piping
2026. "War against Iran has had 'relatively marginal' impact on nuclear program: UN weapons inspector". aol.com. 22 March 2026. Retrieved 28 March 2026
Economic impact of the 2026 Iran war
Economic_impact_of_the_2026_Iran_war
American politician (1934–2022)
President Barack Obama's health reform legislation; he voted against the Affordable Care Act in December 2009, and he voted against the Health Care and Education
Orrin_Hatch
Legislation of the 117th United States Congress
17. By April 2024, the Affordable Connectivity Program had seen 23 million households enroll in it. As of June 2024, the program has ended. In May 2024
Infrastructure Investment and Jobs Act
Infrastructure_Investment_and_Jobs_Act
Episodic video game
Deltarune for free on October 31, 2018. Initially disguised as a "survey program", it was then described as a game "intended for people who have completed
Deltarune
1977 science fiction film by Steven Spielberg
to a piece, reworking and refining it. For various reasons, money first among them, this opportunity has rarely been afforded to filmmakers. Steven Spielberg
Close Encounters of the Third Kind
Close_Encounters_of_the_Third_Kind
environmental quality of buildings could be rendered more efficient and affordable by making use of a combination of these technologies. Daniel Grünkranz
Responsive_architecture
Speaking, lenders will allow borrowers to refinance or purchase a home utilizing a Super Jumbo mortgage, but refinance guidelines for these loans generally
Super_jumbo_mortgage
American investor and former political candidate (born 1995)
in the 2026 Iran War. Fishback has campaigned to abolish the H-1B visa program and pledged to fire state government employees working under it. He supports
James_Fishback
American real estate developer (1914–1996)
new town. The recession of the 1970s hit Columbia hard, and CG had to refinance the project, reducing The Rouse Company's stake. CG later pulled out of
James_Rouse
Residential building in Manhattan, New York
as affordable housing for low- and middle-income households. Before construction could begin, the developer team and city officials needed to refine the
Carmel_Place
and dancers work continually to create and refine new pieces, and that work shows, in this world is not my home. It's silly, violent and sweet, an unusual
Triskelion_Arts
Text-based strategy game
with experience in programming, discussed the project with Rawitsch, and told him that it would be well-suited to a computer program, as it could keep
The Oregon Trail (1971 video game)
The_Oregon_Trail_(1971_video_game)
Government plan in Canada and the US
financing, including for affordable multifamily development and preservation; Ensuring that more government-owned supply of homes and other housing goes
Housing_Supply_Action_Plan
United States Law
make environmentally positive changes to their homes. It made improvements to home energy use more affordable for walls, doors, windows, roofs, water heaters
Energy_Policy_Act_of_2005
American businessman
worsening conditions for American energy companies, Shattuck aimed to refinance Constellation's $5 billion debt load and secure more credit from banks
Mayo_A._Shattuck_III
2016 video game
five years as an indie developer. He began the project to improve his programming and game design skills. He was heavily inspired by the Harvest Moon series
Stardew_Valley
American politician (born 1956)
are worth and therefore cannot refinance. Under his plan, any homeowner who is current on their mortgage could refinance into a 4% mortgage for 15 years
Jeff_Merkley
Buying and selling real estate for profit
bank wants the property vacant to sell it more easily. Buy, rehab, rent, refinance (BRRR) is a real estate investment strategy, used by real estate investors
Real_estate_investing
American conglomerate corporation
Services, under the new Early Retiree Reinsurance Program established by the Patient Protection and Affordable Care Act, for providing health insurance to retirees
Koch,_Inc.
Private college in South Royalton, Vermont, US
include application of smart growth principles, ecological planning, affordable housing, flood hazard mitigation, improving the confluence of energy and
Vermont Law and Graduate School
Vermont_Law_and_Graduate_School
American stealth multirole fighter aircraft
Navy's (USN) Advanced Attack/Fighter (A/F-X) programs. MRF, a program for a relatively affordable F-16 Fighting Falcon replacement, was scaled back and delayed
Lockheed Martin F-35 Lightning II
Lockheed_Martin_F-35_Lightning_II
1983 video game
capabilities and began to refine it into separate programs designed to highlight different aspects of the original program. Marketed through Sight & Sound
Kawasaki_Synthesizer
American businessman and philanthropist (born 1935)
grad who invented method of refining gasoline from heavy oil. Took refining innovation to Soviet Union 1929; returned home 1930s. Sons Frederick, Charles
Charles_Koch
low-cost programmable microprocessors replaced the discrete transistor–transistor logic circuitry of early hardware, and the first ROM cartridge-based home consoles
History_of_video_games
American business executive (born 1967)
the line reflected Selena's vision: stylish, youthful, comfortable, and affordable. Aimed at young women, the collection included sportswear and received
Suzette_Quintanilla
Most populous city in Pennsylvania, US
home to many food poverty programs, of which two of the largest are Philabundance which claims to feed 90000 people per week. and Share Food Program which
Philadelphia
Inspection, survey and analysis of energy flows in a building
Oregon program and the Seattle Home Resource Profile. Such programs may also include free compact fluorescent lights. A simple do-it-yourself home energy
Energy_audit
American budget reconciliation law
the Powering Affordable Clean Energy (PACE) program that the act created. On the 11th, the IRS finalized the rules of its direct pay program allowing tax-exempt
Inflation_Reduction_Act
computers for every 1,000 residents. Personal computers for home use became more affordable in the mid-1990s, since when demand for Internet access has
Economy_of_Iran
Development program of American aircraft
reduce F-35 life-cycle costs by creating competition within the program and to refine its acquisition strategy and evaluate alternatives that will deliver
Lockheed Martin F-35 Lightning II development
Lockheed_Martin_F-35_Lightning_II_development
American real estate business
rejournals.com. Retrieved 2026-05-20. "Lightstone Capital Provides $18 Million Refinance Loan for Boutique Multifamily Building in Affluent New York City Suburb"
The_Lightstone_Group
1979 American science fiction film
community, and "hardcore Trekkies" who could afford to pay $100 for admission—filled the museum. Paramount Home Entertainment released the film on VHS, Betamax
Star_Trek:_The_Motion_Picture
American academic medical center
It is home to the top-15 ranked Mayo Clinic Alix School of Medicine in addition to many of the highest regarded residency education programs in the United
Mayo_Clinic
American all-weather multirole fighter aircraft
McDonnell Douglas F-15 Eagle. Intended for the Dual-Role Fighter (DRF) program (initially called Enhanced Tactical Fighter), the F-15E was designed in
McDonnell Douglas F-15E Strike Eagle
McDonnell_Douglas_F-15E_Strike_Eagle
President of South Korea from 1963 to 1979
and the fall of South Vietnam, Park secretly pursued a nuclear weapons program in the 1970s until the U.S. strongly intervened and forced South Korea
Park_Chung_Hee
American businessman, inventor, and philanthropist
numerous patents in many different industries. He invented a process for refining hydrocarbons in the production of marketable gasoline and hydrocarbon sulfonic
Hiram_Halle
German-American Holocaust survivor and activist
were afforded no reparations to their properties. AppalReD incorporated the David Community and Development Corporation (DCDC) and refinanced homes and
John_M._Rosenberg
Chinese manufacturing company
Creator™, welcomed into California HVIP voucher program by CARB". BYD. Retrieved 26 June 2025. "HOME". Zum Oakland. Retrieved 26 June 2025. "SkyRail Express
BYD_Company
Handheld game console made by Nintendo
finding innovative uses of mature technologies, which tended to be more affordable and reliable. This led to early clashes between Yokoi and his assistant
Game_Boy
American video streaming service
interface's localization, and in some regions, Netflix offers a more affordable mobile-only subscription. Customers can subscribe to one of three plans;
Netflix
Carrier-based multi-role fighter aircraft family
developed for the United States Navy's Naval Fighter Experimental (VFX) program after the collapse of the General Dynamics-Grumman F-111B project. A large
Grumman_F-14_Tomcat
Video game distribution platform
such as the Valve Index and the Steam Deck. Steamworks, an application programming interface (API) released in 2008, is used by developers to integrate
Steam_(service)
Full coverage of the policies of a US senator
the Low Income Housing Tax Credit program for the purpose of forming or retaining roughly 1.3 million affordable homes over the course of a decade. In 2004
Political positions of Lisa Murkowski
Political_positions_of_Lisa_Murkowski
American mixed martial artist (born 1987)
during a recent visit to his home when she was tasked with collecting a urine sample as part of the UFC's anti-doping program. On April 7, 2024, Albuquerque
Jon_Jones
Ensuring all citizens of a country can access high-speed internet reliably
service obligation legislation that gives all homes and businesses the right to request a decent and affordable broadband connection. The legislation sets
Broadband_universal_service
Protection from financial loss
government created the National Flood Insurance Program which serves as the insurer of last resort. Home insurance, also commonly called hazard insurance
Insurance
marketed as a solvent from the 1870s by the British wholesaler Carless Refining and Marketing Ltd. When Petrol found a later use as a motor fuel, Frederick
History_of_gasoline
Full coverage of the policies of a US senator
repealing the Affordable Care Act's individual mandate provision for legislation that would financially stabilize the remaining health insurance program. "But
Political positions of Susan Collins
Political_positions_of_Susan_Collins
Socioeconomic and racial divide along Delmar Boulevard in St. Louis, Missouri
Transformation Grants. These grants have supported initiatives such as affordable housing, small business development, and public safety improvements, contributing
Delmar_Divide
jury trial. United States: Section 4207 of the Patient Protection and Affordable Care Act amended the Fair Labor Standards Act and required employers to
Timeline of women's legal rights (other than voting)
Timeline_of_women's_legal_rights_(other_than_voting)
American entrepreneur and surgeon (born 1971)
administrations. These efforts were enacted through the HITECH Act in 2009 and Affordable Care Act in 2010. Riskin's academic work "Re-examining health IT policy:
Dan_Riskin
Canadian TV series or program
"Catering to Catastrophe" 906 After being in their home for four years, Karyn and Mark decided to refinance so they could consolidate their consumer debt and
Til_Debt_Do_Us_Part
travel, tourism, insurance
HOME AFFORDABLE-REFINANCE-PROGRAM
HOME AFFORDABLE-REFINANCE-PROGRAM
HOME AFFORDABLE-REFINANCE-PROGRAM
HOME AFFORDABLE-REFINANCE-PROGRAM
HOME AFFORDABLE-REFINANCE-PROGRAM
HOME AFFORDABLE-REFINANCE-PROGRAM
HOME AFFORDABLE-REFINANCE-PROGRAM
HOME AFFORDABLE-REFINANCE-PROGRAM
HOME AFFORDABLE-REFINANCE-PROGRAM
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