America is currently experiencing the lowest interest rates in decades. Recent government programs, such as Making Home Affordable, provide incentives for mortgage lenders and servicers to modify or refinance your existing mortgage to a more stable loan product. Even if you have already modified or refinanced under MHA (like the HAMP or HARP program), and your loan is held by Fannie Mae or Freddie Mac, you may soon be eligible to refinance again to take advantage of these even lower rates. To learn more about the most recent developments and to explore your eligibility for these programs, visit makinghomeaffordable.gov.