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homeowners to refinance high-interest mortgages at these rock-bottom interest rates. who qualifies? homeowners who have mortgages backed by fannie mae and freddie mac. you must be current on your payments. and you ll now be able to refinance no matter how much you are under water on that home. this lifts a previous limit of 125% loan-to-home value ratio. the program also aims to streamline the refinancing process, please, and reduce and eliminate fees. i m joined now by lynnette cox, bob molten and rick newman is the chief business correspondent for u.s. news & world report. the white house says this could mean cheaper mortgage payments. some say as much as 1.7 million. it probably in practical terms will help a fraction of that. maybe 20%, 30% or so. if you look at the previous efforts, that s sort of the range, you know. we have high hopes and we want it to be able to help more, but frankly, even if it does help 1 million, we ve got more than 5 million people who are ou