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We're the Consumer Financial Protection Bureau (CFPB), a U.S. government agency that makes sure banks, lenders, and other financial companies treat you fairly.

Learn how the CFPB can help you

I’d like to refinance, but I think the value of my home has fallen. Is there a program for me?

Answer:

If the value of your home has fallen, the federal government’s Home Affordable Refinance Program (HARP) or the FHA Short Refinance Program may provide you with additional refinancing options.

The deadline to apply for a refinance under the current HARP program is September 30, 2017 and the deadline to apply under the FHA Short Refinance Program is December 30, 2016. Call the CFPB at 1-855-411-CFPB (2372) to be connected to a U.S. Department of Housing and Urban Development (HUD)-approved housing counselor who can talk to you about your options today.

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The content on this page provides general consumer information. It is not legal advice or regulatory guidance. The CFPB updates this information periodically. This information may include links or references to third-party resources or content. We do not endorse the third-party or guarantee the accuracy of this third-party information. There may be other resources that also serve your needs.