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From HUD: The Housing and Economic Recovery Act of 2008 amends the National Housing Act to sanction a new passing FHA advance cover syllabus called the HOPE for Homeowners (H4H) Program. Under this Program, certain borrowers facing difficulty in paying their mortgages will be eligible to refinance into affordable FHA-insured mortgages.  The H4H Program is useful for endorsements on or after October 1, 2008 through September 30, 2011. Here is a swift breakdown of some of the .. rounded critique.

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