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First Lien, PRA, 2MP, and HAFA Activity .. Activity for HAFA, 2MP, Treasury FHA -HAMP and UP Principal Reduction Activity. The Making Home Affordable Program was launched in March 2009 with the Home Affordable Modification Program (HAMP) which provides assistance to struggling homeowners.
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HAMP vs. HARP vs. HAFA. Lenders ultimately want to keep the homeowner in their home and it is up to the homeowner. Another program, the Second Lien Modification Program (2MP), will then modify a second bank loan after the first loan is adjusted through HAMP. This program offers incentives.
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