Home Affordable Refinance Program HARP 2.0 in Minneapolis I am starting to get lot of calls regarding the Home Affordable Refinance Program AKA HARP 2.0. Some people would call this program the government refinance program or the underwater program. There is still a lot of confusion as to what lenders offer and what option homeowners have and I am going to try and clear it up in this blog. The purpose of the Home Affordable Refinance Program is to help you get a new, more affordable, more stable mortgage even if you owe more than what your home is worth. (0 comments)