Trish, check out this link: http://makinghomeaffordable.gov/eligibility.html
I am going through Countrywide/Bank of America, but I know most of the major lenders participate, as well as the local banks such as M&I. It is also been referred to a HARP refi. Just call your lender to see if you qualify. We did our primary home in MI, and were trying to do our rental in WI.