HARP mortgage rates: A Brief Introduction HARP mortgage rates The Home Affordable Refinance Program (HARP) was first launched in 2009 as an economic stimulus program; a way to boost consumer spending. At the time, mortgage rates were falling to new lows, but at the same time, home values were in retreat. Falling home values pushed a plethora of U.S. homeowners over the 80% loan-to-value threshold which meant that refinancing was impossible without

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