Have you got a telephone directory? cheap diclofenac sodium gel The speech highlighted one of President Obama's two signature policy responses to the housing crisis, the Home Affordable Modification Program, or HAMP, and the Home Affordable Refinance Program, or HARP. The two programs that address refinancing and modification of loans that are guaranteed by Fannie Mae and Freddie Mac have had lukewarm success at best, with 3.4 million homeowners accessing the programs, far below the nine million borrowers estimated by the administration. HARP, arguably the more successful of the two, has achieved some momentum, but the sharp recent rise in interest rates could put the kibosh on refinancing.
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