he Home Affordable Refinance Program, also known as HARP, is a federal program of the United States, set up by the Federal Housing Finance Agency in March 2009 to help underwater and near-underwater homeowners refinance their mortgages. Join the 900,000+ people who have benefited from the Home Affordable Refinance Program!
The HARP program is for borrowers who are up to date on their mortgage but cannot refinance due the value of their home having gone down. BUT, it is only eligible for CONVENTIONAL loans backed by Fannie Mae or Freddie Mac, not FHA loans.
FHA does offer a program just as good called the streamline refinance which generally allows a borrower to refinance without needing a new appraisal or any income verification. However, they require that you be up to date in your payments to qualify.
So not sure that would be an option for you though.
You might be best advised to seek out a HUD-approved housing counselor who specializes in foreclosure prevention. Check out http://www.hud.gov for a listing