Please pass Harp 3 or ammend current refinance programs to help the many responsible homeowners underwater with mortgage loans NOT backed by Fannie Mae or Freddie Mac. Unlike the many Americans that chose to walk away from their homes during tough times, I dug deep and remained current on my mortgage. I did this also with a mortgage interest rate of 8.78%. I find it SO unfair that responsible homeowners with non government insured loans, who are underwater in their home appraisal values, fall through the cracks of every program. Only option of refinancing now requires too much money out of pocket because of these lower appraisal values. I know there are so many homeowners like myself with great credit that could help re-energize the market if given the avenue to do so. Give us that avenue.
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