Right now, only borrowers that have a loan endorsed by Fannie Mae or Freddie Mac prior to June 1st, 2009 can take advantage of the current HARP program. That date is over 3.5 years ago and interest rates have come down much further since that time. This would possibly push the date up or even eliminate that provision, so almost all borrowers can take advantage of the current interest rates today.
Also, if a homeowner refinanced using the HARP program at any point, they cannot use the same program again, it was supposed to be a one time use. But once again, since the program rolled out, mortgage interest rates have dropped dramatically. The elimination of this provision would allow more borrowers to reduce their payments and help give a boost to our economy.