statement and break down before they consider. if you are paying almost all principal and very little interest, you will reverse the situation, if you refinance. what about folks hit hard that have lost a job, they have questionable credit. but they deserve a break, too. are there programs that can help them? >> well, harp 2.0 is great if the your loan is with fannie and freddie. but if you are in default -- a lot of people intentionally defaulted to get modifications. you have to be current on your mortgage for six months and you could not have had more than one missed or late payment in 12 months. but that extends to 2013. so if you want that program, you can get caught up with your payments and qualify. you have until 2013. and some of the harder-hit states, there is a fund, millions of dollars and very little used. it's in 19 states called the