HARP (Home Affordable Refinance Program) has been extended to December 31, 2016 in the U.S. This program has been available since 2013 I believe to help homeowners in refinancing to either reduce their current mortgage payments during the decrease in rates so that homes would not be lost due to foreclosure or abandoned because mortgage payments are too high and can't be paid. Do you know of anyone that has taken advantage of this program? It would be interesting to hear how this program has helped homeowners or not.