Make Harp 3.0 Happen

Advocating for The Expansion of the Home Affordable Refinance Program

HARP 3.0 Petition Progress and Other News

HARP 3.0 Count Up Clock:

Failure of The Obama Administration, Congress, The FHFA, and Other Policy Makers To Implement HARP 3.0 Has Now Reached 2822 days 22 hours 4 minutes 18 seconds

Please click here to sign the HARP 3.0 Count Up Clock Petition
The Petition has passed the one week mark, and now we are in the media blitz phase. Yesterday I sent out a press release to inform the media about the HARP 3.0 Count Up Clock. For this to be successful we really need some media attention. Click here to view the press release.

I need your help to make this thing take off. If you support HARP 3.0 and you want to do something to make it happen, send me an email. My address is marcus(at)makeharp3happen(dot)com.


Underwater homeowners need to fight for this. Nothing is going to be given to us. In fact, what little assistance that was available to us is being taken away. In 2010 $7.8 billion in “Hardest Hit Funds” were distributed to 18 states to assist struggling underwater homeowners. This money was intended for mortgage relief. States have instead been using the money to demolished blighted properties. Indiana, Michigan, and Ohio have decided instead of distributing money to homeowners headed for foreclosure that they would prefer to destroy homes abandoned by people who have already been kicked out of their houses. Other states are sure to follow suit.
A further insult to underwater homeowners is the expiration of the Mortgage Forgiveness Debt Relief Act. The law provided a tax exemption for mortgage debt forgiveness. The exemption expired on December 31, 2013. As it stands now any mortgage debt that is forgiven through a loan modification or short sell is treated as taxable income.
It is time to stand up and fight this insanity! We need to send message. The HARP 3.0 Count Up Clock Petition is your opportunity to be heard. Tell the President, Congress, and other policy makers that enough is enough. We’ve been waiting too long for HARP 3.0. We need it now!
As a final note, don’t forget to support underwater homeowners that own small businesses. I recently wrote about Andrea Greene and the Connecticut Cookie Company. Eating cookies might not Make Harp 3.0 Happen, but they do taste yummy. So go buy some cookies.


Updated: February 5, 2014 — 11:48 pm


Add a Comment
    1. The number of petitioners so far (just about 1,000) begs the question of whether or not the goal of 100,000 petitioners will be achieved by required dead line. Why aren’t more people taking this unique opportunity to send a strong and powerful message to these law makers who we have elected to represent our interest?

      1. Marlene, I’ve never expected to get to 100K signatures. I’m not using that as the criteria to judge success. I know from the last effort how truly hard it is to get those kinds of numbers. The purpose of the petition is to raise the profile of the cause. This issue has to be made a higher priority. I wrote a post today about the how the perception of a “sham housing recovery” is killing any sympathy for underwater homeowners. That is what we are up against. With that said, I’m very disappointed in the lack of media response. I’m actually surprised we can get the number of signatures we do with practically no media exposure. I track out bound links from this site. As of right now has sent 1,669 clicks to the petition. I know a few mortgage forums have linked to the petition, the link has made it on some twitter accounts, I’m sure others have posted on facebook, but the vast majority of signatures are being driven from this web site. In some way that has to be meaningful. I just wish we could get some real media interest. It would be nice to feel someone gave a crap about us.

        1. Marcus, I am so grateful for your initiative and thank you for the clarification. What you are doing is for the greater good. That is why, despite the fact that I may not benefit from a HARP 3.0 (because my primary problem is a high interest secondary mortgage/piggyback taken at the time of my first mortgage in May 2010 FannieMae) I am still fighting for fairness for all other responsible homeowners like you and me.

          I tried forwarding information from your website to my US Senators and Congressmen, I got a permanent failure. But, please know how grateful I am to you that you are spearheading this so important effort.

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