A third HARP 3.0 -like mortgage bill has been introduced in Congress. Following the failed Responsible Homeowner Refinancing Act of 2012, Senators Robert Menendez and Barbara Boxer have re-drafted their landmark refinance bill meant to help underwater U.S. homeowners get access to today’s low mortgage rates. The Responsible Homeowner Refinancing Act of 2013 proposes to eliminate certain closing costs, including the cost of home appraisal, and to make it simpler for homeowners to

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