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HARP Refinance Savings Enough To Sway Homeowners . Despite ultra-low mortgage rates throughout the summer, fewer than 10,000 HARP 2.0 loans closed in July 2015, marking the fewest closed loans in any one month in HARP mortgage history. As home values have climbed nationwide, up more than 30% in some markets since 2012, the need for an "underwater loan" such as HARP has diminished.
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