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 ...

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 ...

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 ...