Despite 2 percent increase from August, September foreclosure activity drops 27 percent from year-ago levels
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Housing Affordable Refinance Program (HARP)
The total volume of home refinances decreased slightly in the second quarter of 2013 and refinances through the Home Affordable Refinance Program also declined somewhat.
Low interest rates and the Housing Affordable Refinance Program combining to push thousands of underwater homeowners to refinance their mortgages