Part of the American dream includes home ownership. Even during tough economic times, U.S. citizens still have options when it comes to financing a house with a mortgage. The housing market often fluctuates but there are some government sponsored programs that provide some stability. For example, the Home Affordable Refinance Program (HARP) is designed to alleviate some financial burdens of paying expensive loans. Monthly payments can be lowered with this type of financial package that is available for the working and middle classes.