Since the crash of the real estate market that began in 2008, many home owners lost equity in their investment and became upside down in their mortgages leaving them feeling trapped and unable to get out from underneath it.However, now that the Home Affordable Refinance Program, otherwise known as H.A.R.P has been extended through 2015, it can provide much need relief for distressed home owners.There has been no better time to refinance then now with rates being at historical lows.According to an article titled: Why Now Is the Time for a HARP Refinance by Tracy Mooney with FHFA, http://www.zillow.com/blog/2013-10-03/why-now-is-the-time-for-a-harp-refinance/ Borrowers nationwide are reaping significant savings either by lowering their payments, reducing their interest rates and/or securing a fixed rate. Homeowners who refinanced through HARP during the first quarter of 2013 will save an average of $4,300 in interest payments during the first 12 months.

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