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Homeowners who owe more than their homes are worth yet make timely payments can refinance at low-interest rates, thanks to the Helping Responsible Homeowners Act of 2011. Sen. Johnny Isakson, R-Ga., touts the bipartisan housing policy. But he takes to task the Obama administration for not adopting a provision for more access to affordable home loans. Regional HUD director Ed Jennings Jr. writes about the Obama administration’s commitment to homeowners in hard-hit states such as Georgia.