Follow Me On:             Christian Penner Area Manager Mortgage Banker Phone: 561-373-0987 Fax: 561-935-4142 License: NMLS#368289 Christian@ChristianPenner.com Google Me Now Reminder: Changes to HARP Program Announced See If You Can Benefit Just a note to remind you that in October, President Obama announced plans to open up refinancing to more homeowners who are underwater. This proposal was a revision to the current Home Affordable Refinance Program (HARP). So what does this mean to you? This means that if your mortgage is owned or guaranteed by either Freddie

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