You may qualify for  for Obama's newly passed mortgage refinancing program.  

If you have a mortgage and want to find out if you qualify for lowered interest rates, call your lender and find out if your account was sold to either Fannie Mae or Freddie Mac. It should be a quick and easy refinance that will give you a lower monthly payment.

"It is good to see ourselves as others see us. Try as we may, we are never
able to know ourselves fully as we are, especially the evil side of us.
This we can do only if we are not angry with our critics but will take in good
heart whatever they might have to say." - Ghandi