Mortgage rates are at record levels, but many homeowners think they can't refinance because they owe more than the house is worth. Several of my mortgage sources have told me about situations that seemed impossible, but weren't. There's a great story in the New York Times today that highlights several programs that can help people in that situation. Check it out, and be sure to let me know if you thought it was impossible, but made it work. I'm at firstname.lastname@example.org.