I'm an underwater home owner advocating for expansion of the Home Affordable Refinance Program (HARP). I have impeccable credit with scores in the high 700's but I'm unable refinance and take advantage of the best mortgage rates we will probably ever see in our lifetimes because I miss the arbitrarily set cutoff date for eligibility. In 2012 legislation to expand HARP died in Congress. The Obama Administration does not seem to be pushing for these changes not that the election is over. I am circulating a petition to raise awareness and hopefully encourage Washington to make this a priority once again.
You can view and sign the petition here: http://wh.gov/PQOH
I also suggest you visit the web site I created to promote this cause: http://makeharp3happen.com