HARP 2.0 Refinance - Can it Help Underwater Homeowners? The HARP 2.0 Refinance (DU Refi Plus) was created to help underwater homeowners refinance with no equity and no appraisal required. Obama's refinance program is set to help homeowners across Georgia, Florida and California save thousands. in Public bookmarkswith harp_2.0harp_refinanceunderwater_refinanceby 2 users Note: The HARP 2.0 Refinance (DU Refi Plus) was created to help underwater homeowners refinance with no equity and no appraisal required. Obama's refinance program is set to help homeowners across Georgia, Florida and California save thousands.