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a safeguard for distressed homeowners, The Ohio Housing Finance Agency (OHFA) has pledged to provide refinancing for certain at-risk borrowers across their state.On April 2, 2007, the agency will officially unveil a refinancing program designed to help borrowers dealing with financial hardships such as job loss, divorce, or rising interest rates on adjustable-rate mortgages."We are aware of the detrimental effect of unaffordable monthly mortgage payments on the people of the State of Ohio," said Doug Garver, executive director. "The agency has worked diligently with our partners to develop a refinancing program that will address this issue. After helping over 100,000 families purchase their first residence, OHFA is determined to help other families continue to afford the place they call home."The agency says the program will offer 30-year fixed-rate loans and a 20-year fixed-rate second mortgage option at an amount up to four percent of the home's appraised value to assist with closing costs. D2C.