With a harp loan, does a spouse have to refinance after spouse death

There is no requirement for you to refinance. However, if qualified you are certainly allowed to do so! If you hope to get a much better rate and therefor monthly payment is would be worth your while to get qualified. Even though you do need to show income, the requirements are much less stringent than on a conventional or standard government loan. I can be reached via my profile if you wish to see if you qualify and what the rate. monthly payment and cost would be. It is possible to have the choice between one rate at no cost and one with no points but the lender and escrow/title insurance included for you to compare.