There are a few main eligibility requirements to qualify for HIRO. First, the current loan must be owned by Fannie Mae. Second, the loan must have been originated (opened) on or after October 1, 2017. Third, at least 15 months must have passed between opening the original loan and applying for the HIRO program. Finally, you must have no 30-day late payments during the past six months, not more than one 30-day late payment in the past 12 months, and no delinquency greater than 30 days.