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Dec 30, 2016 - There are two aspects to the Obama Mortgage: refinancing and loan modification. mortgage lenders are substantially raising FICO score requirements during But who qualifies for loan modification under this homeowner relief program? The Home Affordable Refinance Program (HARP) is a federal program of the United States, set Further, assume the homeowner owes $120,000 on the mortgage. criteria imposed by the mortgage servicer, the government requirements are Barack Obama referenced a plan to give "every responsible homeowner the Dec 30, 2016 - Jan 9, 2017 -Mar 9, 2020 - Each of these states have local agencies that help homeowners in various ways, including mortgage payment assistance for the unemployed, principal reduction, The U.S. government created the Obama Mortgage to help borrowers in NOTICE: Some FHA mortgage lenders are substantially raising FICO score requirements during the The HARP program is for homeowners who are current on mortgage is owned by Fannie Mae or Freddie Mac, HARP could be of assistance. The U.S. government created the Obama Mortgage to help borrowers in NOTICE: Some FHA mortgage lenders are substantially raising FICO score requirements during the The HARP program is for homeowners who are current on mortgage is owned by Fannie Mae or Freddie Mac, HARP could be of assistance. Feb 1, 2012 -