Every time I hear Harp 2.0 I think of Tosh 2.0. But Harps (Home affordable refinance program) content is no laughing matter. There are a lot of borrowers that are hurting and that need to lower their mortgage payments to be able to keep there home and American dream alive. Luckily Harp was re-instated and will continue through December 31, 2013. In addition there are new guidelines that include the removal of Loan-to-value limitations. The current LTV for HARP is set at 125%. Easier qualifications to lower mortgage payments with no appraisal and limited proof of income.