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Smiling couple sits on the front steps of their home.

What is HARP?

​The Home Affordable Refinance Program (HARP) has been expanded to include more borrowers. Find out how HARP can help you refinance your mortgage to lower costs.




​​Who benefits from HARP?

In 2009, the Home Affordable Refinance Program (HARP) was introduced to assist borrowers who owed more on their mortgage than their home was worth and were unable to refinance under traditional mortgage programs.

A newer version of the program was launched in 2011 to expand eligibility to a larger group of borrowers to create more refinancing opportunities and help lower borrowing costs.

Expanded HARP Eligibility

HARP, which offers refinancing on Fannie Mae or Freddie Mac mortgages, has expanded eligibility that accommodates borrowers with loan-to-value ratios (LTVs) above 125%. Your LTV is the amount you owe divided by the house's current market value. This change is especially relevant in states hit hard by declining home values. 

You must be current on your mortgage with no late payments during the past six months, and no more than one late payment during the past 12 months.

Less documentation and verification is required regarding income and current employment when compared to a traditional refinance.

​See More Eligibility Guidelines >

​​Lower Borrowing Costs

HARP allows for reduced closing costs. No credit report fee is required and, in most cases, no appraisal fee is required – allowing borrowers to take advantage of additional savings.

​Visit makinghomeaffordable.gov​ for more details about HARP.

​​HARP vs. ​​HAMP

The Home Affordable Modification Program (HAMP) is designed to assist borrowers who are having difficulty making their monthly mortgage payments, whereas HARP provides a refinance op​portunity to borrowers who are current and whose home value has decreased. HAMP is designed to provide savings for homeowners overwhelmed by unaffordable increases in expenses or loss of income.

​Talk to us about your eligibility.

To speak with an M&T Mortgage Loan Officer about your HARP eligibility, please call 1-888-253-0799​, MondayThursday 8:30am7:00pm ET and Friday 8:30am–6:00pm ET.​