--- title: Fannie Mae Temporarily Suspends High LTV Refinance Program description: Fannie Mae announces suspension of High LTV Refinance Program image: https://www.mortech.com/hubfs/2015_redesign/blog_images/2021/Mortgageblog-2.png --- [![Get my demo](https://hubspot-no-cache-na2-prod.s3.amazonaws.com/cta/default/25649/1c6fbee1-0d0c-4238-8485-13c8e3f73157.png)](https://hubspot-cta-redirect-na2-prod.s3.amazonaws.com/cta/redirect/25649/1c6fbee1-0d0c-4238-8485-13c8e3f73157) [![mortech](https://www.mortech.com/hubfs/2015_redesign/mortech_logos/mortech_logo_white.png) ![mortech](https://www.mortech.com/hubfs/2015_redesign/mortech_logos/rings_logo_white.png) ](https://www.mortech.com/) # Mortech Blog # 855.298.9327 # Fannie Mae Temporarily Suspends High LTV Refinance Program Posted by [Anna Deibert](https://www.mortech.com/mortechblog/author/anna-deibert) on Jun 25, 2021 9:48:26 AM - [Tweet](https://twitter.com/share) ![Mortgageblog-2](https://www.mortech.com/hs-fs/hubfs/2015_redesign/blog_images/2021/Mortgageblog-2.png?width=400&name=Mortgageblog-2.png)On May 26th, Fannie Mae sent out an [announcement](https://singlefamily.fanniemae.com/media/25856/display) informing that the High LTV refinance program will temporarily be halted beginning Thursday, July 1st, 2021.   **Background on this refinance program**   Back in November 2018, Fannie Mae High LTV and Freddie Mac Enhanced Relief Refinance programs were an alternative to the HARP program *(Home Affordable Refinance Program)*. These programs were designed to help borrowers who were looking to refinance their mortgage but didn’t have enough equity in their home due to a decrease in home value since it was purchased *(owing more than the home is worth).* To qualify for a High LTV program, a borrower with a Fannie Mae-backed mortgage would need to have less than 3% equity in their home, *(or their loan-to-value will need to be over 97%).*     **What this suspension entails**   Due to an extremely low volume of High LTV loans and the impact of the Revised QM Rule, Fannie Mae has decided to temporarily suspend this program beginning July 1st. Freddie Mac has not officially announced pausing their Enhanced Relief Refinance program quite yet. Fannie Mae will work with Freddie Mac through FHFA in determining if and when the programs will resume. If you have any additional questions on these program changes don’t hesitate to reach out to your Customer Success Manager for additional information and if and how this impacts your business. ### News & Events Get the latest Mortech product announcements, company updates, and mortgage news delivered to your inbox. ### Subscribe to email updates ### Recent Posts ### Posts by Topic - [Compliance (2)](https://www.mortech.com/mortechblog/topic/compliance) - [Mortgage Compliance (2)](https://www.mortech.com/mortechblog/topic/mortgage-compliance) - [Mortgage Technology Top 50 Service Provider (1)](https://www.mortech.com/mortechblog/topic/mortgage-technology-top-50-service-provider) - [mortgage hedging (1)](https://www.mortech.com/mortechblog/topic/mortgage-hedging) ### Demo [Products](https://www.mortech.com/solutions) [Mortgage Pricing Engine](https://www.mortech.com/mortgage-pricing-engine) [Predictive Analytics](https://www.mortech.com/customer-retention-with-mortech-protection) [Mortgage APIs](https://www.mortech.com/mortgage-apis) [Online Rate Quoting](https://www.mortech.com/online-automated-rate-quoting) [Secondary Marketing](https://www.mortech.com/secondary-marketing) [About Us](https://www.mortech.com/about-us) [Partners](https://www.mortech.com/partners) [Investors](https://www.mortech.com/investors) [Contact Us](https://www.mortech.com/about-us/contact-us) [Testimonials](https://www.mortech.com/testimonials) [News & Events](https://www.mortech.com/mortechnews) [Blog](https://www.mortech.com/mortechblog) [Conference Calendar](https://www.mortech.com/conference-calendar) Follow Us Contact Us [855.298.9327](tel:855.298.9327) [sales@mortech.com](mailto:sales@mortech.com) [support@mortech.com](mailto:support@mortech.com) [Terms of Use](https://www.zillowgroup.com/terms-of-use-privacy-policy/)    |     © 2026 Mortech, a Zillow Group business, All Rights Reserved