I am someone who has personally benefited from some of President Obama’s economic policies. In addition to getting the temporary payroll (Social Security) tax break, I am now refinancing my underwater home through President Obama’s Home Affordable Refinance Program (HARP). My home is now worth about $25K less than I owe due to the collapse of the housing bubble, and in three years I would be facing a significantly increased interest rate from the already high rate I have now if I were not able to refinance. I acquired my home in 2005 with a 10-year fixed rate, which would change to an adjustable rate mortgage at the 10-year maturity, because I did not plan on living there for over 10 years. But the housing crash put me in a difficult situation, as it has done for millions of Americans, and made refinancing pretty much impossible. Of course, selling the home at such a huge loss was not a viable option for me either. As I researched my refinance options, I found that no lender would have granted me a refinance loan for my underwater property on their own volition, even though I have never made a late payment. It’s only through HARP that I am now able to refinance and take advantage of some of the lowest interest rates in about half a century, and it didn’t cost the American taxpayers a nickel for me to do so. So thank you Mr. Obama, for helping me and millions of other Americans keep our homes with even lower monthly payments.