UPDATE (May 22, 2013) : The HARP 2 Refinance program is available to U.S. homeowners as of March 17, 2012. This post has been updated since its original publish date to account for changes to the HARP 2 program guidelines. If you’re underwater on your conforming, conventional mortgage, you may be eligible to refinance without paying down principal and without having to pay mortgage insurance. Here are the details of the government’s

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