HARP 3.0 Program

The Home Affordable Refinance Program (HARP) has undergone several expansions since its inception in 2009. HARP 3.0 is the expansion which makes the beneficial program available to millions of Americans underwater with their mortgage regardless of the lender. The biggest addition to the HARP 3.0 Program is that the plan now helps Non-GSE (Government Sponsored Enterprise) backed borrowers, whereas the HARP 2.0 program only was able to assist GSE backed borrowers or borrowers with Fannie Mae and Freddie Mac.

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