The home affordable refinance program (HARP) program was a government program that ran from 2009 and 2018. HARP helped borrowers refinance their mortgages even if their home's value decreased. Because this program has expired, it’s not available through LowerMyBills or any other platform. If you want to lower your interest rate or payment on a mortgage, you could consider exploring other options by contacting your current lender or shopping with other lenders that offer refinancing.