We now have this new program out HARP that is intended to help home owners refinance upside down mortgages. My question is, why isn't there a program for home owners on fixed incomes that may be upside down to refinance. Loan modifications are out of the question. The pain and torment banks put borrowers through is tough. Does any one predict we will have a program like HARP for home owners on fixed incomes who may be one payment behind?