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Home Affordable Refinance Program (HARP) – Home Affordable Refinance Program (HARP). Even if you owe more than your home is worth, if your mortgage is owned by Fannie Mae or Freddie. Eligibility. Determine whether your mortgage is owned by Fannie Mae.How To Get A Mortgage Without A Downpayment If you’re like most home buyers, you’ll need a mortgage to finance the purchase of a new house. To qualify, you must have a good credit score and cash for a down payment. Without these. give you.

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