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2009's Mortgage Modifications Pretty Minor

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With great fanfare early in the year, the Obama administration unrolled a plan to spur banks to help troubled homeowners avert foreclosure by reducing their monthly payment.But at year end, the plan is widely considered a bust. PICO suggests expanding HAMP with an approach to specifically address unemployed homeowners, modeled on a Pennsylvania plan called Homeowners Emergency Homeowners Emergency Mortgage Assistance.

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