New Year's Day has come and gone, but there's still one more resolution you should make: get a HARP refinance for your underwater or low-equity mortgage, if you haven't done so already.
The number of homeowners with underwater mortgages continues to fall, with another 850,000 mortgages returning to positive equity in the first quarter of the year.
A federal overseer is urging the Treasury Department to get tough on mortgage servicers who drag their feet on HAMP loan modifications, with real penalties for those who violate program guidelines.