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Banks can’t afford to tell you about this: there’s a government program created specially to help homeowners refinance their mortgages and save money. One of the many incredible features of the program is that it is Free to use.

It’s called HARP, which stands for “Home Affordable Refinance Program”, and despite launching early in 2009, less than 0.5% of people have taken advantage. It seems that very few homeowners know about it, or know how to use it, so most folks are missing out. HARP is designed to help you get a new, more affordable, more stable mortgage. It provides a once in a lifetime bailout and could be helping millions of homeowners save a substantial amount of money. Many homeowners who have participated in this incredible Government refi program have reduced their mortgage payments by thousands per year. The program itself is totally free and doesn’t add any cost to your refi, and is set to expire in 2015, but there is still time to lock in the benefits of this refi bailout, as long as you take advantage before the deadline. As many as 700,000 homeowners could still benefit from a HARP refinance. SEE IF YOU QUALIFY>>

The Government refi plan that can eliminate mortgage payments

HARP helps homeowners get a better, more affordable mortgage. If you qualify and refinance through HARP, you may be able to take advantage of a number of significant benefits, such as eliminating up to 15 years of mortgage payments (and a LOT of interest), changing to a lower monthly payment, or refinancing at historically low rates. As it is a government program, HARP is totally free and doesn’t add any cost to be matched with lenders. See if you qualify >>

Finally, homeowners get the bailout they deserve

The President passed HARP to provide a boost to the middle class, the engine of the economy. It’s about time hard working homeowners got some help from the government, as Wall St. certainly has. The Home Affordable Refinance Program was created so that homeowners who owe less than $625,000 on their homes can get some much needed mortgage relief.

Why isn’t everyone using this refi plan? Banks don’t want you knowing

There are a number of reasons, from lack of promotion, to homeowners’ general distrust of government involvement. But probably the main reason, the dirty little industry secret, is that the Banks don’t want you to benefit from the program. They hate it because it allows homeowners to switch lenders when they weren’t able to before, taking millions out of their pockets and putting it back into the pockets of everyday people. If you feel like you are being ripped off by your lender with a really high rate, you probably are. HARP can help you switch to a new lender, one prepared to offer you today’s low rates, and you could save huge.

See If You Qualify and Take Advantage of Historically Low Rates

There are hundreds of lenders out there, and it’s a daunting task to figure out who is giving you the best deal. That’s where online services like Lower My Bills can help. You fill out a simple form, which only takes a few minutes, and they search their network of lenders to find the best matches for you. Most of the lenders on their network allow qualified homeowners to use HARP: they know this program helps them give you a great deal, and they know they have to give you a great deal if you’re going to make the switch. There’s absolutely no cost to be matched with lenders, see if you qualify