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qualifying for a home loan with bad credit is the harp program worth it What Is HARP and How Can It Help Homeowners Save Money? – So what is HARP and what does it stand for? The acronym stands for the Home Affordable Refinance Program (HARP), and it can be a lifesaver. they owed more on their home loan than it was worth. For.How to Pre-Qualify for a Mortgage Loan with Bad Credit – How to Pre-Qualify for a Mortgage Loan with Bad Credit. Nationwide has experience matching borrowers with lenders and brokers that take risks making mortgage loans for people with past credit concerns.