You'll likely qualify for refinancing if Congress acts.

Banks will compete for your business and the process will be simpler for you, with less red tape, no more tax forms, and no more appraisals- just a lower interest rate. Because we can't wait for Congress to act, President Obama has already taken steps that may help homeowners like you now.

• Explore your current refinancing options through the HARP program
• Get information about other mortgage assistance programs
• Get information about benefits of a recent legal settlement between the federal and state governments and major banks