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mae or freddie mac. at a time when lower interest rates could save him $2,500 a year, he says the bank has blocked his request to blocked hi yefinance. >> basically they've said, "we an't have a program for you." i don't apparently fit into this thogram either. and that's my dilemma thus far, is i keep running into a roadblock of this might help others, but it doesn't necessarily help me. >> reporter: and ken lalonde has a lot of company. while the administration could be helping as many as one million people with government- backed loans, estimates say there are seven million homeowners like ken lalonde, who are underwater on their bank loans, are up to date in their payments and who could benefit from lower interest rates. ra fntil the banks help refinance that larger group of homeowners, economist dean baker says the president's plan will have limited impact. r it's difficult for president obama to do very much without help from congress. he

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