Home Affordable Refinance Program (HARP)

(Performing loans, current, no default anticipated.)

Program Announcements

Extension of the Home Affordable Refinance Programs (HARP)
Effective Immediately

Refinance with Certificate Modification
Updated September 30, 2009
Revised October 6, 2009

Refinance with Certificate Modification Program and Home Affordable Modification Program
Updated July 2, 2009

Announcement of Updates to the Refinance with Certificate Modification Program
Effective Immediately

Three Easy Steps for Refinances with Certificate Modification

Traditional Loan Modification Guidelines, Revised Modification Form, and New Instruction Sheet
Effective Immediately

Program Announcements

MI Retention Solutions Program
Effective Immediately

Loan Modification Programs for Delinquent Loans
Effective Immediately

MICA Memorandum of Understanding

MI Retention Solutions Program (RSP)

Program Announcement

RSP Request Form

RSP Submission Template

Loss Mitigation Waterfall Comparison

Second Look Program

Second Look Request Form

Second Look Submission Template

Questions & Answers

Q&A for New Programs

Questions & Answers

MI Retention Solutions Program (RSP)

Net Present Value (NPV) Test and Second Look Q&A

Individual Request Form and Instructions

Loan Modification Request Form
  – Instructions for Loan Modification Request Form

Individual Request Form


RSP Request Form

Second Look Request Form

Bulk Request Form and Instructions

Bulk Spreadsheet  
  – Bulk Spreadsheet Instructions
  – Spreadsheet Data Guide

Bulk Request Form and Instructions

Reporting Template Directory and Spreadsheet
 – HAMP Modification Spreadsheet Instruction
 – Delegated Loan Modification Instruction
 – Non-Delegated Loan Modification Instruction

Home Affordable Foreclosure Alternatives (HAFA)

In processing loans under HAFA, mortgage servicers are instructed to use any existing delegation agreements for short sales. If no short sale delegation authority exists or if the mortgage servicer is unsure if delegated authority exists, requests should be submitted to United Guaranty for review. Upon receipt of all pertinent information, United Guaranty will try to respond within 48 hours. Please note: this information is intended for use by mortgage servicers only. It does not apply to individual borrowers or consumers.