NEW YORK (CNNMoney) President Obama will announce changes in the government’s Home Affordable Refinance Program (HARP) on Monday, making it easier for homeowners to capitalize on current low-interest rates by refinancing their old, high-interest mortgages.

More than 890,000 Americans have already utilized the HARP program to reduce monthly mortgage payments but many more have not. One reason: The current rules do not permit severely underwater borrowers to participate.

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