How long do you have to own your home before you can do HARP

Your current loan must be backed by Fannie Mae or Freddie Mac AND have closed on or before 5/31/2009 No other mortgages qualify for a HARP refinance other than those. Both Fannie and Freddie have websites that you can check, assuming you also meet the closing deadline requirement. If you don't meet those requirements, then a regular refinance would be what to look for.

I agree with Barb Lanis.

HARP is a special refinance program. technically there is no "how long" rule... But the loan MUST have been close BEFORE June 1, 2009 to qualify.