Distressed / Underwater Mortgage Government Refinance Programs
To help address the downturn in the real estate market the government has created several programs designed to help distressed homeowners refinance or modify their mortgages. This section provides an overview of the HARP 2.0 program, which is targeted at borrowers who are upside down on their mortgages – their principal mortgage balance is greater than the value of their homes. We also provide information on other government-sponsored loan modification and default programs for borrowers who are underwater on their mortgages or struggling to make their monthly payments. Use the navigation menu on the left side of the page or click below to learn more about HARP 2.0 and other distressed mortgage government refinance programs.