Established in 2009, the Home Affordable Modification Program (HAMP) and the Home Affordable Relief Agency (ARPA) was extended for two years by the Obama administration. The Home Affordable Modification Program (HAMP) 3-4000000 designed to help borrowers avoid foreclosure. So far, less than one million borrowers are in permanent modifications, and default rates of these changes are high. March 31, 2013, the oldest permanent HAMP modifications, from the third and fourth quarters of 2009, redefaulting at a rate of 46.1 percent and 39.1 percent. 2010 HAMP permanent modification …
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