Unfortunately, the HARP program is for homeowners in distress. If you have suffered a job loss or major illness and are behind on your mortgage this might be an option, but you don't want to be misleading and will have to document the hardship. Better than spending $4000-$5000 in fees that get added to you loan balance in a refinance, why don't you make additional payments towards the principal and pay it off early? That's the best way to pay less interest. Good Luck!