The HARP program is expired. But Freddie Mac and Fannie Mae created HARP replacement programs FMERR and HIRO to help underwater homeowners refi.
source https://themortgagereports.com/22445/harp-replacement-high-ltv-underwater-refinance-fannie-mae-freddie-mac
source https://themortgagereports.com/22445/harp-replacement-high-ltv-underwater-refinance-fannie-mae-freddie-mac
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