what are harp rates today and smarter refi benchmarks
Short answer: HARP ended in 2018, so there's no official "HARP rate" today. We evaluate flexibility and performance across current high-LTV options - HIRO, FMERR, FHA Streamline, or standard conventional - by testing total cost, speed, and reliability.
How we judge the deal
- Price the rate + points against APR and a 30 - 60 day lock.
- Model breakeven months and worst-case at +0.25%.
- Check lender turn times, float-down policy, and MI impact.
On a rain-soaked commute we checked a lender app: a "lower" quote slipped with a longer lock. Realistic check: lenders reprice by credit, LTV, occupancy, and loan size - there isn't one universal number.
Related searches
- current HARP interest rates
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