So Congress should give those responsible homeowners a chance to refinance at a lower rate.
Similarly, a gun can be a genuine value to responsible homeowners, provided that parents and children follow proper precautions.
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But there are still millions of responsible homeowners who've done everything right but still struggle to make ends meet.
Last October, I was in Clark County, where I announced new steps to help responsible homeowners refinance their homes.
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President Obama has a plan to help millions of responsible homeowners save hundreds of dollars each month by refinancing.
Of course, even with this settlement, there's still millions of responsible homeowners who are out there doing their best.
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That's why we've launched a plan to stabilize the housing market and help responsible homeowners stay in their homes.
But what government can do -- what government can do is to help responsible homeowners to stay in their homes.
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So this is an example of responsible homeowners doing the right thing.
WHITEHOUSE: President Obama on Helping Responsible Homeowners
Last fall, my administration unveiled a series of steps to help responsible homeowners refinance their mortgages to take advantage of historically low rates.
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And that's why we've launched a housing plan that will help millions of responsible homeowners save money by refinancing or modifying their mortgages.
The second step we took was to launch a plan to stabilize the housing market and help responsible homeowners stay in their homes.
We enacted measures to stem the crisis in our housing markets, helping responsible homeowners stay in their homes, curbing the decline in home values overall.
The Helping Families Save Their Homes Act advances the goals of our existing housing plan by providing assistance to responsible homeowners and preventing avoidable foreclosures.
They should be working to keep responsible homeowners in their home.
We've enacted measures to stem the crisis in our housing market to help responsible homeowners stay in their homes and curb the decline of home values overall.
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Now, it is wrong for anyone to suggest that the only option for struggling, responsible homeowners is to sit and wait for the housing market to hit bottom.
Some of you joined us in stopping tobacco companies from targeting kids, expanding opportunities for young people to serve our country, and helping responsible homeowners stay in their homes.
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President Obama has proposed a plan that will help millions of responsible homeowners save hundreds of dollars each month by refinancing their mortgages at today's historically low interest rates.
But we're trying to keep responsible homeowners in their homes, and keeping mortgages affordable for middle-class people and first-time homebuyers -- as we're going to hear a little bit from Joe.
What this plan will do is help millions of responsible homeowners who make their payments on time but find themselves trapped under falling home values or wrapped up in red tape.
Estela and Pam both asked about plans to help responsible homeowners like themselves, who had been making their mortgage payments on time but were locked out of refinancing at a lower rate.
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We must stem the spread of foreclosures and falling home values for all Americans and do everything we can to help responsible homeowners stay in their homes, something I will talk more about tomorrow.
My administration has already helped more than a million responsible homeowners refinance their mortgages. (Applause.) But that's only a few of the potential families that could take advantage of historically low rates.
And today, I am pleased to announce that the agency that is in charge is going to be taking a series of steps to help responsible homeowners refinance and take advantage of low mortgage rates.
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Last week, I proposed several common-sense ideas that will help small businesses, reward companies that bring jobs back to America, invest in clean energy and veterans, and help responsible homeowners save money on their mortgages.
Secretary Donovan will join a conversation, moderated by Zillow CEO Spencer Rascoff, with participating homeowners about refinancing options, such as the Home Affordable Refinancing Program (HARP) and President Obama's plan to streamline refinancing for responsible homeowners.
Number one, the barrier will be lifted that prohibits responsible homeowners from refinancing if their home values have fallen so low that what they owe on their mortgage is 25 percent higher than the current value of their home.
WHITEHOUSE: President Obama Speaks on Housing and the Economy
But it is wrong for anybody to suggest that the only option for struggling, responsible homeowners is to sit and wait for the housing market to hit bottom. (Applause.) I refuse to accept that, and so do the American people.
We enacted measures to stem the tide of foreclosures in our housing market, helping responsible homeowners stay in their homes and helping to stop the broader decline in home values which was eating away at what tends to be a family's largest asset.
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