Home Affordable Refinance Program (HARP), a new program unveiled last week may help you refinance at a lower interest rate. Three conditions: 1. You must be current on your mortgage payments 2. Your Home is underwater, 3. Your loan was sold to Fannie Mae or Freddie Mac before 2009.

http://www.dsnews.com/articles/corelogic-identifies-harp-20-winners-and-losers-2011-10-31