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HARP - Home Affordability Refinance Program - Zillow The Home Affordable Refinance Program, also referred to as 'HARP,' was a federal-government program existing from March 2009 to December 31, 2018 Designed to help homeowners refinance at low mortgages rates even if they were underwater on their mortgage, the program's goal was to allow borrowers to refinance into a more affordable or more
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