HARP refis were strong in 2012 and helped over 1 million homeowners last year lower their interest rates.

A government program to help struggling homeowners take advantage of low interest rates helped 1.1 million borrowers last year — more than twice as many as in 2011, the government says.

http://www.usatoday.com/story/money/business/2013/03/13/home-refi-program-helps-underwater-borrowers/1985689/