Want to refinance? Understanding the Fine Print of Obama's Plan

Do you want to refinance your mortgage under the Home Affordable Refinance program? Good luck. The plan is confusing and confounding.
For example, under the program, lenders are supposed to refinance loans with mortgage insurance. But they are evasive about whether they will. You might as well ask a general about troop movements in wartime.
Another example: Last month, Fannie Mae and Freddie Mac announced that they would refinance mortgages at