The Federal Housing Finance Agency announced on April 11, 2013 that they have extended the Home Affordable Refinance Program through December 31, 2015.

This program allows homeowners that have a loan guaranteed or owned by Fannie Mae or Freddie Mac the opportunity to refinance their home even if they owe more than their home is worth.  The HARP program has helped over two million homeowners since it went into effect.

For more details on the program follow this link to the fhfa press release:

Your home mortgage may be serviced by a bank or lender but owned by Fannie Mae or Freddie Mac.  To find out whether your home is owned by Fannie Mae or Freddie Mac please visit these sites:

I have lenders that can help if you are interested in refinance!  Let me know and I will send you some information.