Refinancing for Underwater Homes: New HUD Program Pitches In

Many underwater homeowners-those who owe more on their home than it is currently worth-feel stuck. They can't sell without taking a major loss, and they often can't refinance because the appraiser's report doesn't past muster. If they want to take advantage of some mortgage modification programs, they're often told they need to be behind in their mortgage first. But what if they are current on their mortgage? Well, the government has a new plan for