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Home Affordable Refinance Program HARP

The HARP program is available only on Fannie Mae and Freddie Mac owned loans, not California Housing Finance Agency (CalHFA) loans. Under certain conditions, HARP allows borrowers to refinance into better loan terms even though the loan amount may exceed the value of the property.

Find out if the loan qualifies for HARP refinancing by following these steps:

  • Step 1. Determine if a loan is eligible for HARP. MakingHomeAffordable.gov can be helpful in making this determination.
  • Step 2. If a loan is eligible and is insured by California Housing Loan Insurance Fund (CaHLIF), review the Program Guidelines.
  • Step 3. Lenders who have an existing CaHLIF Mortgage Insurance Master policy may request the transfer of mortgage insurance by following the submission requirements described in the Program Guidelines and Program Application listed below.

Those lenders who have existing CaHLIF Mortgage Insurance Master Policies, and who have agreed to this program are listed below:

Those lenders who have existing CaHLIF Mortgage Insurance Master Policies, and who have NOT YET agreed to this program are listed here.

Other CaHLIF-approved lenders will be added as they join the program.

Forms

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