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    1. Home Affordable Refinance ? Access to low-cost refinancing: to provide aid to qualifying homeowners so that they can access low-cost refinancing, the Obama's housing plan makes it possible for individuals to refinance their mortgages ... Go to ?FHA-Home Affordable Modification Plan? page for details of the plan. Home Equity Loan Modification (Second Lien Program) ? Making Home Affordable: the housing plan was augmented to expedite modifications of first mortgages and to ...