HARP 2.0: Refinancing for Underwater Home OwnersNovember 25, 2011 | Category: For Sellers, News | Tags: fannie mae refinance, freddie mac refinance, government refinance program, harp refinance program, help for homeowners reno, refinance underwater, reno refinance, yong yoo reno real estate broker agent Refinance program for underwater homeowners. Changes in policy for the government refinance program, HARP (Home Affordable Refinance Program).