You may have heard of The Home Affordable Refinance Program (HARP) but if you haven’t, it is definitely worth your time to read this article. It was designed to help homeowners refinance a home in which they owe more than it is worth. Refinancing into a lower interest rate to lower your payments is a huge savings. Check out this link to a HARP Mortgage. Just think, there may not have been so many foreclosures if they had offered this years ago.