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https://historymusings.wordpress.com/2011/10/25/ful-text-october-25-2011-president-barack-obama-federal-housing-finance-agency-introduce-home-affordable-refinance-program-for-underwater-homeowners-mortgages/
Full Text October 25, 2011: President Barack Obama & Federal Housing Finance Agency Introduce Home Affordable Refinance Program for "Underwater" Homeowners & Mortgages