The latest progress report released by the Treasury Department finds that the government’s three “H” programs — HARP (Home Affordable Refinance Program), HAMP (Home Affordable Modification Program) and HAFA (Home Affordable Foreclosure Alternatives) — have helped about 1,777,000 Americans stay in their homes.

In the case of HAMP, the delinquency rate of mortgage holders taking part in the government program is much lower than that of people using private modification programs.

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