“No!” you say. “Impossible!” Well, apparently, it can be done. Even if you haven’t missed payments or aren’t in financial trouble. If you are one of the millions of people who are both underwater and have a really unattractive loan, the HARP program may be able to help. I know just a few of the details (like your loan must be owned by Fannie Mae or Freddie Mac), but Eric Nelson of Silicon Valley Funding knows them all. If you or a loved one find yourself in this situation, shoot him an email and see if he can help. If you just want to read up on it, click here.