For Immediate Assistance Call 888-995-HOPE (4673) (Hearing impaired: 877-304-9709 TTY) Let an expert from a HUD-approved housing counseling agency help you understand your options, prepare your application, and work with your mortgage company.

Veterans may be eligible for refinancing their VA mortgage using Interest Rate Reduction Refinancing Loans (IRRRL). Making Home Affordable Program. The Making Home Affordable Program offered opportunities to modify or refinance your mortgages, but as of December 30, 2016, no new requests for assistance under any MHA program will be accepted.

Federal government home affordable refinance rules The program applies only to loans that are owned or guaranteed by Fannie Mae or Freddie Mac, The borrower must be an owner-occupant of a detached house, condominium, duplex, The borrower must not have made a loan payment more than 30 days.

Home Affordable Refinance Program (HARP) The Home Affordable Refinance Program (HARP) is a government plan to help borrowers refinance their home. To qualify you must live in your home, which must be.

Enhanced Relief Refinance is scheduled to be available for mortgages with applications received in late 2018. It will replace Freddie Mac relief refinance mortgagessm – Same Servicer and Open Access, once the Home Affordable Refinance Program (HARP) expires on December 31, 2018.

^