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If you're underwater on your mortgage, the Obama Making Home Affordable program might be able to help you with a Home Affordable Refinance Plan. If you qualify, the Home Affordable Modification Program can have your lender refinance your loan. To qualify for the Home Affordable Modification Program you must be current on your loan, live in the house, the house must be a one to four family building and your loan must be serviced by Fannie Maw or Freddie Mac. Your options are limited with an underwater mortgage.