Recent changes to the Home Affordable Refinance Program are hoped to bring benefits to the homeowners who have been struggling with negative equity over the past months or even years, but there are some aspects of this plan, which are predicted to help less than 1 million homeowners, but may still prevent some from taking advantage of this particular refinancing opportunity and, as a result, questions have arisen as to why some homeowners may not benefit and how changes that are in place are truly helping homeowners that are in need.