If you plan to re-finance your home mortgage this year under the Home Affordable Refinance Program be sure you are working with a reputable source.

Dan Hendrickson with the Better Business Bureau, says they recommend working with your own lender, avoiding on-line companies.

And he says you should also be wary of anyone who tells you not to contact your lender, a lawyer or a credit counselor, or who asks for payment by cashiers check or wire transfer.