HARP financing loan was started in 2009. The loan was created to help home owners who could not refinance due to lack of equity. Investors were not open to use the financing when it was originated. According to RealtyTrac, at the end of 2013 the option was opened to investors and more than 360,000 investment properties were refinanced with HARP. This could mean that the housing market will continue to do well. Home prices will remain the same or rise and there will be less foreclosures.