11 million homeowners underwater--HARP 2.0 may help some refinance to lower interest rate

There is a new federal refi program to lower the mortgage interest rate (not the principal) for some homeowners who are underwater--"HARP 2.0" :  Link.   To check if your current mortgage qualifies as a Fannie Mae or Freddie Mac loan (a requirement to qualify) visit the following sites:  Fannie Mae  Freddie Mac.  Note:  It may not be until December or January when lenders will have specifics in place, so be patient.