Anonymous wrote:I received an offer from my lender advising that I am eligible for a streamlined refinance through the HARP program. My interest rate would be reduced by 1.25% and I am not charged any closing costs. Is there a reason why I shouldn't do this? It would save me either $500 (if I do another 30 years) or $200 (if I keep my current term in years owed) per month.