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As are numerous home owners in the Las Vegas Valley, I found myself and quot; upside downand quot; on my home mortgage when the financial slump took place. I was in a quandary as to what course of action to take. How could I re-finance my loan if the house was not worth what I paid for it? Luckily, the federal government came to the rescue in the form of a HARP re-finance program permitting loans secured by Freddie Mac to be refinanced at a lower rates of interest.

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