Refinancing your mortgage can be difficult if you have poor credit or a high debt-to-income (DTI) ratio. It can be practically impossible if you’re underwater—meaning your property is worth less than ...
The Home Affordable Refinance Program (HARP) was established in 2009 as a way to help struggling homeowners refinance in the aftermath of the housing crisis. Because of lower down payments and the ...
A Fannie Mae loan program to help low-equity homeowners refinance was paused in January 2023, five years after it replaced the federal government’s HARP refinance. In March 2009, the federal ...
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