One of the lesser know government programs to come out of the 2007-2011 ECM Downturn, is the Home Affordable Refinance Plan (HARP), HARP could still benefit millions of Americans and reduce their monthly payments by as much as $4,264 each year. The banks will not tell you that.

The bankers are cheering the ending of this program in 2015. To them, it could not have been quiet enough. The program is set to expire in 2015, yet probably more than a million homeowners could still benefit today.