Have you had difficulty refinancing your mortgage because your home value has declined and you are “upside down” in your equity??? If your current mortgage was endorsed by Fannie Mae or Freddie Mac prior to May 31st, 2009, you may be eligible for a HARP refinance! This means you may be able to take advantage of today’s historically LOW interest rates, no matter how much your home value has declined. In many cases, no appraisal is required and your home’s value is not considered whatsoever! Call today for further details on how to begin this easy process.