HARP is available only for the "lucky ones" who's mortgage was bought by/sold to Freddie Mac or Fannie Mae (government programs). There are still thousands of people who are grossly upsidedown with high interest payments that cannot take advantage of the current low interest rates. Even their mortgage holders (banks) will not work with them. This is sad as these homeowners will probably be the next flurry of foreclosures as their loan mods come to an end. More frustratingly, Boxer and Feinstein(especially Boxer)are doing absolutely nothing to help this large group of homeowners out. I know.

Boxer/Frank/Dodd all wanted their constituents to get into a home (own, not break in), regardless as to whether they could afford one or not. The chickens are (still) coming home to roost. Some economists think it may take over 10 years for the housing market to finally recover from this latest social engineering experiment by the left. But, I'm sure they only had the best of intentions for these people and weren't just pandering for votes.

I'm a realtor, and I have to tell you that I had no intention of selling a home to someone who couldn't afford it, but then Nancy Pelosi came and threatened my family.

My husband is a mortgage banker. He had no intention of selling a home to someone who couldn't afford it, but then Barney Frank called us one night and said we had to package up all the toxic loans and sell them to other banks.

So, blame it on the Democrats. This wouldn't have happened during the Bush Administration!

Dear "Liberalism is a Disease" and Cheryl, THANK YOU for telling the truth! You are absolutely correct!

God Bless you both!