Starting today, some homeowners who are “under water” with their mortgages can refinance under the Home Affordable Refinance Program (HARP), but the BBB is warning consumers that banks and mortgage companies aren’t the only ones gearing up for the rush of applications. Whenever there is a new or updated government program that may be confusing, scammers come out of the woodwork!There are already hundreds of websites claiming to be able to help homeowners through the HARP process, but many of them are scams.