Learn about the HARP program and how it worked... and the Streamline Refinance program that replaced it.
Thinking about refinancing? HSH.com has everything you need to help you get your refinance underway. We can help you determine whether refinancing is right for your situation, show you how to compare and minimize refinancing costs, provide you with strategies to achieve your goals and even help you locate lenders to handle your new mortgage. Using our articles, tools and calculators, you can feel confident that you are getting the best possible deal for your situation.
5 stages of a refinance
Refinance tools
Our TriRefi calculator will show you the best way to pay for your refinance.
PreFi: Prepayment can bring equivalent or even greater savings than refinancing.
Tell us the rate you want your loan to be and we'll tell you the prepayment needed to achieve it.
The classic "breakeven scenario" calculator to see if refinancing can save you money.
Common refinance questions
While there may be a "no cost" refinance option available to you, this doesn't mean your refinance will be free.
Many homeowners think they need a big chunk of equity to refinance. But in fact, it's possible to refinance with very little equity or even none at all.
Search for more answers here
What is HARP and do I qualify for a HARP loan?
Streamline Refinance Program to Replace HARP
The HARP refinance program for troubled or underwater homeowners came to an end in late 2018, but a new streamline refinance program has taken its place.
My mortgage was modified under HAMP. Can I refinance under HARP?
We wish the answer to your question was simple and straightforward, but...