We bought our house 5 years ago, right before the market crashed. Our value has fallen so much that we are completely underwater on our mortgage and I don't know if we'll ever have equity! Apparently there's a program out there, HARP, that's supposed to help people like us refinance even if the homes are worth less than the current mortgage balance. To be clear, we are current on our payments and not at risk for foreclosure. We'd just like to take advantage of the lower interest rates out there right now. We've gotten a couple of solicitations in the mail from various companies, but I don't know who is legit and who's not. Internet searches always bring up complaints AND accolades! Any advice on where to get started? Anyone else been through a similar situation? Thanks!