If you're not behind on your mortgage payments but have been unable to get traditional refinancing because the value of your home has declined, you may be eligible to refinance through MHA's Home Affordable Refinance Program (HARP). HARP is designed to help you get a new, more affordable, more stable mortgage. HARP refinance loans require a loan application and underwriting process, and refinance fees will apply.
Program ends December 31, 2014.
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* Only the appropriate qualified and/or licensed person can qualify you for any government assistance program. All the above noted guidelines were taken from http://www.makinghomeaffordable.gov/programs/exit-gracefully/Pages/hafa.aspx. We are not a government agency or a servicer and can not guarantee eligibility.