Are you underwater on your home?  HARP 2.0 is coming March 19th.  What is HARP 2.0??  This is the answer to many prayers for those whose home valuations have taken a royal beating.  Those who have been left out in the cold and unable to refinance into a historically low interest rate simply because your home now appraises for less than what you paid, RELIEF is coming.  This new loan option has a heart...and a brain. 
It has become clear to the mortgage powers that be, that there are millions out there who have decent credit and pay their mortgage on time whose homes have simply depreciated in value.  These people have been unable to take advantage of the lowest mortgage rates in years for a reason they are unable to control: their home's value.  Not fair you say, and I couldn't agree more!  COMING SOON:  our voices are being heard and action is being taken.  Although details have not been released, many suspect that this loan option will do away with ltv(appraisal) restrictions and even some of the rigorous income/asset documentation. 
With the 30 year fixed mortgage rate consistently under 4%, it is time to consider refinancing your existing home loan and fixing into an excellent low rate loan.   If you are a responsible homeowner, you just might qualify for the Sweetest loan on the block!