Should I refinance..what is a Harp loan? These guidelines can help you to refinance your mortgage online. Maybe you did not get a new loan with cheap mortgage rates with a traditional refinance company, because the value of your home has declined? Or maybe you have an underwater mortgage; this means you owe more than your house is currently worth? Then this new and updated housing program which is called H.A.R.P 2.0 may help you to refinance . Take advantage of a low interest mortgage refinance with the help of the USA. This site explains struggling house owners How to qualify for this new housing program started by the Obama government.