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1 HARP Loan Program: How Did It Work? - Investopedia
https://www.investopedia.com/articles/personal-finance/112415/harp-loan-program-how-does-it-work.asp
HARP was a government program designed to help underwater homeowners refinance mortgages at more attractive interest rates. · The program started on April 1, ...
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2 Relief RefinanceSM/Home Affordable Refinance Program ...
https://www.fdic.gov/resources/bankers/affordable-mortgage-lending-center/guide/part-1-docs/freddie-home-affordable-refinance-program.pdf
HARP is for borrow- ers whose loans are owned by Freddie Mac or Fannie. Mae. HARP targets borrowers with high loan-to-value. (LTV) ratios and who have limited ...
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3 HARP Replacement Programs - LendingTree
https://www.lendingtree.com/home/refinance/harp-replacement-program/
HARP is short for the Home Affordable Refinance Program, and it was created to help homeowners refinance underwater home loans after the ...
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4 What Is a HARP Loan? - Experian
https://www.experian.com/blogs/ask-experian/what-is-a-harp-loan/
HARP loans were available to homeowners whose mortgage debt exceeded the appraised market value of the home—as long as their mortgage was owned ...
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5 Understanding HARP & Other Loan Assistance Options
https://www.moneygeek.com/mortgage/refinance/harp/
You can complete a Home Affordable Refinance Program loan with any participating mortgage lender, or your existing mortgage servicer. The ...
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6 HARP Replacement Programs: Know Your Options - TIME
https://time.com/nextadvisor/mortgages/refinance/harp-replacement-programs/
You can use this Freddie Mac program to refinance your mortgage as many times as you want, whereas with HARP, you were limited to only one time.
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7 HARP Refinance Rates & 2022 Guidelines
https://mymortgageinsider.com/harp-refinance/
The HARP program allows borrowers to refinance the first mortgage while a second mortgage is in place. Fannie and Freddie do not set a combined ...
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8 Qualify Today for a HARP 2.0 Loan - Mortgage Calculator
https://www.mortgagecalculator.org/mortgage-rates/harp-program.php
As we've stated above, the HARP loan is for someone who is current on their Frannie Mae or Freddie Mac mortgage with no one very few missed payments. HARP is a ...
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9 HARP Program | TAM Lending Center, Inc
https://www.tamlending.com/page/harp-program
HARP requires the new loan to provide the same level of mortgage insurance coverage as the original loan. This can be difficult and time-consuming, especially ...
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10 Refinancing With The HARP Mortgage Replacement Programs
https://www.bankrate.com/mortgages/harp-replacement-programs/
HARP was created in 2009 to give borrowers who were current on their mortgages but had little or negative equity an opportunity to refinance at ...
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11 HARP Loan Replacements: Options for Refinancing Assistance
https://www.americanfinancing.net/refi/understanding-harp-loans
HARP was aimed at borrowers with a loan-to-value ratio (LTV) of greater than 80%. An LTV of that level often meant homeowners could not secure any other type of ...
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12 Home Affordable Refinance Program (HARP)
https://www.fhfa.gov/Media/PublicAffairs/Pages/Home-Affordable-Refinance-Program-(HARP).aspx
HARP provides borrowers, who may not otherwise qualify for refinancing because of declining home values or reduced access to mortgage ...
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13 Home Affordable Refinance Program | HARP
https://migonline.com/home-affordable-refinance-program
How to Apply for a HARP Loan ... You do not need to do a HARP refinance through the same lender who originated your original mortgage. In fact, not all mortgage ...
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14 HARP 2.0 Guidelines - Are You Eligible? | FREEandCLEAR
https://www.freeandclear.com/programs/harp-2-0-mortgage-refinance-program-overview.html
The program is designed to make it easier for borrowers who are current on their mortgage to refinance into a more affordable loan with a lower ...
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15 HARP 2.0 Details and Guidelines - WalletHub
https://wallethub.com/edu/hl/harp/281
HARP 2.0 is a mortgage refinance program designed to help homeowners whose properties have become underwater, meaning those who owe more on ...
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16 HARP - Home Affordable Refinance Program - MortgageDepot
https://mortgagedepot.com/harp-home-affordable-refinance-program/
Current mortgage loans are owned by Freddie Mac or Fannie Mae · The home is a primary residence, a single-unit second home or an investment property consisting ...
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17 What is HARP and do I qualify for a HARP loan? - HSH.com
https://www.hsh.com/finance/refinance/what-is-harp-do-i-qualify-for-a-harp-loan.html
First announced in March 2009, HARP is designed for homeowners who are current on their mortgage payments, but who haven't been able to refinance because they ...
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18 HARP Loan Program Eligibility | Mortgage News Channel
https://mortgagenewschannel.com/harp-loan/
HARP Loan Program in Florida & the United States ... Established by the Federal Housing Finance Agency in March 2009, the Home Affordable Refinance Program (HARP) ...
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19 HARP: What You Need to Know - NerdWallet
https://www.nerdwallet.com/article/mortgages/harp-mortgages
HARP eligibility and requirements · On-time payments. The goal of a HARP loan was to help make monthly payments more affordable, but borrowers ...
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20 What Is HARP and Is It Right for You? - Ramsey Solutions
https://www.ramseysolutions.com/real-estate/harp-program
A more stable mortgage (like moving away from an adjustable-rate mortgage) · A lower interest rate · A shorter term loan · A reduced monthly ...
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21 Home Affordable Refinance Program - Wikipedia
https://en.wikipedia.org/wiki/Home_Affordable_Refinance_Program
The Home Affordable Refinance Program (HARP) is a federal program of the United States, set up by the Federal Housing Finance Agency in March 2009, ...
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22 Home Affordable Refinance Program (HARP)
https://landmarkmortgagecapital.com/refinance/harp/
The HARP Mortgage Program is a unique refinance program designed specifically for borrowers who have little to no equity in their homes. This program can even ...
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23 What Is HARP 2.0, and How Does It Work? - SmartAsset.com
https://smartasset.com/mortgage/harp-2
Through HARP, some borrowers were able to lower their mortgage rates or reduce the length of their loan terms. Others traded in mortgages with ...
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24 An In-Depth Guide to HARP 2.0 - MortgageLoan.com
https://www.mortgageloan.com/depth-guide-harp-20-9044
Under HARP, you're not required to refinance your mortgage with the same lender who's currently servicing it. However, many lenders, particularly the larger ...
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25 HARP 2.0 Mortgage Refinance Loan Program Tips - Bills
https://www.bills.com/mortgages/harp-mortgage
The Home Affordable Refinance Program (HARP) allows owners of underwater homes to refinance to today’s low interest rates. Refinancing is typically not ...
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26 What are the Benefits of a HARP Loan? - Moreira Team
https://moreirateam.com/mortgage-products/harp-loan/
A HARP loan allows borrowers to be upside down on their mortgage and still refinance. Regardless of how upside down you are, if you have mortgage insurance, or ...
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27 HARP (Home Affordable Refinance Program)
https://www.houzzlefinancial.com/more-loans/harp-home-affordable-refinance-program/
HARP requires the new loan to provide the same level of mortgage insurance coverage as the original loan. This can be difficult and time-consuming, especially ...
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28 Home Affordable Refinance Program (HARP) - Poli Mortgage
https://www.polimortgage.com/refinancing/harp/
The HARP Refinance Program is open to homeowners with mortgages owned or guaranteed by Fannie Mae or Freddie Mac and who obtained their mortgage loans prior ...
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29 HARP - New American Funding
https://www.newamericanfunding.com/loan-types/harp/
Under HARP, certain borrowers whose mortgages were originated before May 29, 2009 were able to refinance their mortgage into a more affordable one. The program ...
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30 Michigan Harp Mortgage - Riverbank Finance
https://riverbankfinance.com/mortgage-programs/michigan-harp-mortgage.html
The second is that your loan must be owned by Fannie Mae or Freddie Mac (see links below to see who your loan is owned by). Many people believe that just ...
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31 Home Affordable Refinance Program (HARP©) 2.0
https://nutterhomeloans.com/harp
In an effort to assist borrowers who have had difficulty refinancing their home loan due to a decrease in home value, the Federal Housing Finance Agency (FHFA) ...
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32 HARP Loans | Home Affordable Refinance Program
https://www.equitysourcemortgage.com/services/harp-loans
What is a HARP Loan? ... The Home Affordable Refinance Program (HARP) was created in 2009 and is a federal program of the US Government. Its goal is to help ...
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33 Fannie Mae HARP Loans - CountryPlace Mortgage
https://www.countryplaceloans.com/products/fannie-mae-harp-loans/
In November 2012, Fannie Mae published new guidelines for its Home Affordable Refinance Programs (HARP). The HARP program is intended to help those ...
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34 HARP Home Loans | Expert Blog
https://thehomeloanexpert.com/harp/
HARP loans are a federal program that allows home owners that have their loans through Freddie Mac and Fannie Mae to obtain a newer, more affordable home loan ...
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35 Home Affordable Refinance Program (HARP) - Home.Loans
https://www.home.loans/harp-refinance
For example, a homeowner can use HARP to switch from an adjustable-rate mortgage to a fixed-rate mortgage, with a steady monthly rate they can be certain of.
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36 Want to Refinance Your Mortgage But You're Being Turned ...
https://www.houselogic.com/finances-taxes/financing/harp-refinancing/
Want to refinance but having trouble? A HARP loan can help. This federal program helps homeowners who want to refinance but are being turned down.
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37 Chandler HARP Loans | NEXA Mortgage LLC
https://nexamortgage.com/harp-loans/
The Lowdown on HARP Loans… ... The Home Affordable Refinance Program (HARP) is a federal program of the United States, set up by the Federal Housing Finance ...
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38 HARP Loans - Mortgage Options | Columbia, SC
https://www.scmortgageoptions.com/harp-loans
HARP Loans May Be the Affordable Way to Refinance – See If It's Right For You ... All you have to do in order to get a free HARP quote is to submit your request ...
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39 Refinancing Myths Shares with HARP Mortgages
https://www.goldenoaklending.com/01-19-17-harp-refinancing-myths.html
Golden Oak Lending shares common myths about refinancing your mortgage using HARP.
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40 HARP Refinance - Lion Mortgage
http://www.lionmtg.com/harp/
HARP was started in April 2009 and is known as the Home Affordable Refinance Program. In order to be eligible for the HARP refinance program : 1. Your loan must ...
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41 HARP Refinance Loan | 1-855-313-6066 - Foundation Mortgage
https://www.foundationmortgage.com/refinance-my-home-in-florida-mortgage/refinance-harp-loan
HARP stands for the Home Affordable Refinance Program. · Under both programs, homeowners can refinance their current loan as long as the existing mortgage is ...
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42 HARP 2.0 - Mortgage Master Service Corporation
https://www.mortgagemasterwa.com/programs/harp/
HARP is designed to help you get a new, more affordable, more stable mortgage. HARP refinance loans require a loan application and underwriting process, and ...
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43 HARP Relief Refinance - Utah Mortgage Resource
https://www.utahmortgageresource.com/what-is-harp-refinance/
The Home Affordable Refinance Program (HARP) is a government-sponsored program, designed to help refinance conventional loans only. HARP was started in ...
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44 HARP Mortgage Loan Definition - Law Insider
https://www.lawinsider.com/dictionary/harp-mortgage-loan
Define HARP Mortgage Loan. Unless otherwise defined in the Transactions Terms Letter, a Mortgage Loan that fully conforms to the Home Affordable Refinance ...
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45 Home Affordable Refinance Program (HARP) | Boston Real ...
https://www.pulgininorton.com/home-affordable-refinance-program-harp.html
HARP was introduced in 2009 to allow borrowers to refinance and obtain more affordable mortgages without taking out new mortgage insurance. It was meant to help ...
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46 Home Affordable Refinance Program (HARP)
https://sf.freddiemac.com/content/_assets/resources/pdf/fact-sheet/relief_refi_consumer_fact_sheet.pdf
The Freddie Mac implementation of HARP – which may also be referred to as the Freddie Mac Relief Refinance. MortgageSM by lenders and other partners with ...
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47 Encinitas Harp Mortgage Loans Lending Company
https://www.dgfunding.com/harp-loans/
If you're not behind on your mortgage payments but have been unable to get traditional refinancing because the value of your home has declined, ...
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48 HARP - Fellowship Home Loans
https://fellowshiphomeloans.com/harp/
HARP is designed for those homeowners that have consistently made their mortgage payments on time lower their interest rates and reduce their principal and ...
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49 HARP Refinance Program - Bank of England Mortgage
https://www.nationslender.com/harp-refinance-program/
In order to qualify for the HARP refinance program your loan must be owned my Fannie Mae or Freddie Mac. Also, in order to qualify your loan must have ...
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50 30 Year Fixed HARP Loan - Total Mortgage
https://www.totalmortgage.com/mortgage-loans/harp-30-year
HARP, or the Home Affordable Refinance Program, was created to change that. This program helps underwater homeowners refinance and gain access to today's lower ...
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51 HARP Mortgage
https://www.brightpath.com/home-affordable-refinance/
A Home Affordable Refinance Program (HARP) loan could be a great option if you are like millions of Americans that have seen their home values decrease over ...
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52 Harp Loans
https://loanproshop.com/harp-loans
THE NEW, IMPROVED HOME AFFORDABLE REFINANCE PROGRAM (HARP 2.0) · Refinance your home at a lower rate even if you owe more than your home is worth. · Low ...
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53 HARP Refinance - First Heritage Mortgage
https://fhmtg.com/product/refinance/harp-refinance-product-page/
In order to be eligible for HARP, your loan must be owned by Fannie Mae or Freddie Mac. Click below to learn more about these tools and how to use them.
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54 HARP Refinance - Trust Mortgage Lending
https://www.trustlending.net/harp-refinance.html
Through HARP, you can get a lower interest rate (which means less out-of-pocket costs each month), get a shorter loan term, or change from an adjustable to ...
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55 HARP Loans | South Portland, ME - Acadia Lending Group
https://mainemortgage.com/harp-loans/
The Home Affordable Refinance Program (HARP) is a federal program of the United States, set up by the Federal Housing Finance Agency in March 2009, to help ...
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56 Falmouth HARP Mortgage - Maine Pointe Lending
https://mainepointelending.com/harp-loans/
The Home Affordable Refinance Program (HARP) is a federal program of the United States, set up by the Federal Housing Finance Agency in March 2009, to help ...
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57 About Home Affordability Refinance Program (HARP) - Zillow
https://www.zillow.com/mortgage-learning/harp-refinance/
Other homeowners used HARP to convert their adjustable rate mortgage (also referred to as an ARM-Loan) into a more predictable, fixed-loan program (e.g. 30-year ...
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58 Home Affordable Refinance Program (HARP) - Drew Mortgage
https://www.drewmortgage.com/home-affordable-refinance-program/
HARP · Lower Monthly Payments · HARP loans · Lower Interest Rate · Fixed-Rate Mortgage · Faster Equity · No Appraisal Needed · To Apply for a HARP Refinance:.
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59 HARP Mortgage - Mount Diablo Lending
https://mtdiablolending.com/harp-loans/
The Lowdown on HARP Loans... ... The Home Affordable Refinance Program (HARP) is a federal program of the United States, set up by the Federal Housing Finance ...
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60 Home Affordable Refinance Program (HARP) - Colonial Savings
https://www.gocolonial.com/HomeLoans/Home-Affordable-Refinance-Program-(HARP)%E2%80%8B
​​HARP stands for the Home Affordable Refinance Program. It was introduced by the Federal Housing Finance Agency (FHFA) and the Department of the Treasury in ...
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61 What is HARP? - Credit.org
https://credit.org/blog/harp/
HARP is a program created by the Federal Housing Finance Agency to help borrowers who owe too much on their mortgages relative to what their homes are worth.
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62 HARP Loans - MS Lending, LLC
https://mslending.net/harp-loans/
The Home Affordable Refinance Program (HARP) is a federal program of the United States, set up by the Federal Housing Finance Agency in March 2009, to help ...
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63 Fannie Mae Mortgage Loan Lookup - Know Your Options
https://www.knowyouroptions.com/loanlookup
Loan Lookup API for Lenders. Mortgage lenders can now use our Loan Lookup API and other applications to quickly identify Fannie Mae-owned loans.
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64 April Harp - Mortgage Loan Officer - Fayetteville, AR
https://www.firsthorizon.com/mortgage/april-harp
Apirl Harp is a Mortgage Loan Officer with First Horizon Bank in Fayetteville, AR who specializes in providing services for home loans, refinancing, ...
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65 Affordable Refinance Program (HARP) Loan Requirements
https://www.suncoastcreditunion.com/~/media/files/harp%20requirements%20pdf.ashx
Suncoast has a HARP program for our members' loans that are owned by Fannie Mae only. We do not participate in HARP for loans owned by Freddie Mac*.
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66 Home Affordable Refinance Program (HARP) for California ...
https://homeloanartist.com/loan-programs/conventional-home-loans/home-affordable-refinance-program-harp-california-home-owners/
No maximum LTV (loan-to-value) – 80% LTV & higher is OK. · Your loan must be owned (securitized) by Fannie Mae or Freddie Mac. · No late payments in the last 6 ...
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67 NJ, PA, FL & CT HARP Mortgage
https://gsmlending.com/harp-loans/
Why a HARP Loan? ... If you're underwater on your conforming, conventional mortgage, you may be eligible to refinance without paying down principal, and without ...
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68 HARP Loan Eligibility By State | Embrace Home Loans
https://blog.embracehomeloans.com/harp-loan-eligibility-by-state/
HARP Loan Eligibility By State ... The government would like to help you refinance with the present mortgage rates approaching 14-month low. Fewer than 670,000 ...
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69 HARP – NLC Loans
https://nlcloans.com/loan-options/harp/
The federal Home Affordable Refinance Program, or HARP, allows homeowners who are under water on their mortgages to refinance and take control of their ...
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70 What You Should Know About the Home Affordable Refinance ...
https://www.sntg.us/what-you-should-know-about-the-home-affordable-refinance-program-harp/
The federally-operated HARP, or Home Affordable Refinance Program, has made it easier for countless homeowners to save money on their mortgage payments each ...
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71 A HARP Loan – Real Mortgage
https://realmortgageloans.com/a-harp-loan/
Our HARP Loan Rates Are Low & Our Process is Quick & Painless ... The United States Department of Agriculture (USDA) gives borrowers the opportunity to own a home ...
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72 HARP Loans | Fairway Independent Mortgage Corporation
https://getyourmortgagenow.com/harp-loans/
A HARP Loan Can Keep Your Mortgage Afloat! ... The Home Affordable Refinance Program (HARP) is a federal program of the United States, set up by the Federal ...
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73 HARP Loans | Home Affordable Refinance Program
https://primesourcemtg.com/harp-loans/
The Home Affordable Refinance Program (HARP) is a federal program of the United States, set up by the Federal Housing Finance Agency in March 2009, to help ...
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74 Home Affordable Refinance Program (HARP) - ARK Mortgage
https://arkmortgage.com/harp-refinances
The Home Affordable Refinance Program · Have no late payments in the last 12 months. · Must not currently be in foreclosure. · Your loan must have been originally ...
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75 HARP Loans - Glendale Home Loans & Refinance
https://lundmortgage.com/harp-loans/
The Lowdown on HARP Loans... ... The Home Affordable Refinance Program (HARP) is a federal program of the United States, set up by the Federal Housing Finance ...
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76 HARP - Priority Lending LLC
https://www.prioritylendingmortgage.com/harp/
If you're not behind on your mortgage payments but have been unable to get traditional refinancing because the value of your home has declined, you may be ...
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77 HARP 2.0 and What it Means for Homeowners Who are ...
https://www.choicemortgage.com/harp-2-0-and-what-it-means-for-homeowners-who-are-underwater/
However, with HARP 2.0, lenders including Choice Mortgage Group have agreed to remove the previous cap and are willing to refinance according to the new ...
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78 HARP Loans | Philadelphia Mortgage Brokers
https://phillymb.com/harp-loans/
The Home Affordable Refinance Program (HARP) is a federal program of the United States, set up by the Federal Housing Finance Agency in March 2009, to help ...
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79 Oakmont PA 15139 HARP Loans | Lending Heights, LLC
https://lendingheights.com/harp-loans/
Why a HARP Loan? ... If you're underwater on your conforming, conventional mortgage, you may be eligible to refinance without paying down principal, and without ...
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80 Charlotte Mortgage Broker HARP Loans - Lane Lending Inc.
https://lanelendinginc.com/harp-loans/
The Home Affordable Refinance Program (HARP) is a federal program of the United States, set up by the Federal Housing Finance Agency in March 2009, to help ...
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81 Home Affordable Refinance Program (HARP)
https://www.racmtg.com/documents/adverts/9.pdf
than their homes are currently worth are eligible for a HARP refinance. If you got your mortgage loan at a bank, credit union or mortgage company, ...
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82 What is HARP 2.0 - Refinance, Program, Who is eligible ...
https://www.cainmortgageteam.com/loan-options/featured/harp-2-0/
If you are a current homeowner with an FHA/VA or Conventional loan, you could be eligible for the Home Affordable Refinance Program (HARP) to help take ...
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83 Kentucky HARP Loans | Lightpoint Mortgage Company, Inc
https://lightpointmortgage.com/harp-loans/
The Lowdown on HARP Loans... ... The Home Affordable Refinance Program (HARP) is a federal program of the United States, set up by the Federal Housing Finance ...
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84 HARP Refinance Program for Arizona Homeowners
https://www.azmortgagebrothers.com/harp-refinance-program-arizona
HARP Arizona loans - also referred to as HARP 2 refinance loans - are still benefiting Arizona borrowers. We are still doing HARP Arizona refinances with ...
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85 California Home Affordable Refinance Program | HARP 2.0
https://www.1stnwm.com/loan-programs/harp-two-point-zero/
Home affordable loan program, Harp 2.0, allows borrowers who are upside down on their mortgage to refinance at todays low rates, even if they are under ...
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86 HARP 2 - Orange County Mortgage Brokers
https://www.legacymoney.com/harp-2/
Each lender has specific guidelines and conditions in approving a Harp 2 loan. Some lenders go as high as 175% loan-to-value while others remain at 105% loan-to ...
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87 Chesterton HARP Loans| CME Lending Group LLC.
https://themortgageexchange.com/harp-loans/
The Home Affordable Refinance Program (HARP) is a federal program of the United States, set up by the Federal Housing Finance Agency in March 2009, to help ...
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88 HARP Loans - Mortgage Masters Lending Inc
https://mortgagemastersca.com/harp-loans/
The Home Affordable Refinance Program (HARP) is a federal program of the United States, set up by the Federal Housing Finance Agency in March 2009, to help ...
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89 Riverview Florida HARP Mortgage | 5 Star Financial Group, LLC
https://mytampabaymortgage.com/harp-loans/
Why a HARP Loan? ... If you're underwater on your conforming, conventional mortgage, you may be eligible to refinance without paying down principal, and without ...
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90 Santa Rosa HARP Loans | GTG Financial, Inc
https://gtgfi.com/harp-loans/
The Home Affordable Refinance Program (HARP) is a federal program of the United States, set up by the Federal Housing Finance Agency in March 2009, to help ...
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91 Refinance with HARP - Mortgages Loans
https://www.altfn.com/refinance-with-harp/
What is the Home Affordable Refinance Program (HARP) ... If you're not behind on your mortgage payments but have been unable to get traditional refinancing ...
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92 Troy Harp Loans | Empire Mortgage Company LLC
https://empiremortgagecompany.com/harp-loans/
The Lowdown on HARP Loans... ... The Home Affordable Refinance Program (HARP) is a federal program of the United States, set up by the Federal Housing Finance ...
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93 How HARP saved borrowers billions and improved the ...
https://www.urban.org/urban-wire/how-harp-saved-borrowers-billions-and-improved-housing-finance-system
HARP struggled early on, as many of the rules that the GSEs, mortgage insurers (MIs), and lenders had put into place over the years to ...
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94 HARP 2 Refinance - Doorway Home Loans
https://www.doorway.com/loan-programs/harp-2-refinance/
The purpose of HARP is to allow homeowners who owe a mortgage that is more than the value of their home a more affordable and stable mortgage.
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95 HARP 2.0: What Is A HARP Loan and Do You Qualify
https://www.supermoney.com/harp-2-0-new-improved-harp-loans-help/
The Home Affordability Refinance Program (HARP loan) was started by the U.S. Government in 2009 to help out homeowners who had very little ...
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96 HARP Loans from Federated Mortgage - Under water?
https://www.fedmc.com/harp-loan/
Affordable Refinance Program (HARP). HARP is designed to help you get a new, more affordable, much more stable mortgage. HARP refinance loans require a loan ...
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97 HARP Programs | MGM Lenders, Inc.
https://mgmlenders.com/loan-programs/am-i-qualified-for-harp-programs/
HARP is a government-backed program designed to help homeowners who without it might find their mortgage refinance applications declined.
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98 Los Angeles HARP Loans | WILKES MORTGAGE GROUP
https://wilkesmortgagegroup.com/harp-loans/
The Lowdown on HARP Loans... ... The Home Affordable Refinance Program (HARP) is a federal program of the United States, set up by the Federal Housing Finance ...
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