There are MANY different types.  Here are a few with links to their site and/or an explanation of the program.  These programs can change.  So, make sure you are looking at the most recent information/publications.   The programs/links are current as of the day of this post.

 

Mortgage Loan Modification Program Options

 

FHFA (“Federal Housing Finance Agency”) Streamlined Modification

http://www.fhfa.gov/webfiles/25068/StreamlinedModInit32713Final.pdf

Streamlined Modification (Fannie Mae GSE)

https://www.fanniemae.com/content/announcement/svc1305.pdf

Streamlined Modification (Freddie Mac GSE)

http://www.freddiemac.com/singlefamily/service/streamlined_modification.html

Federal MHA (“Making Home Affordable”) Options – All

http://www.makinghomeaffordable.gov/programs/view-all-prgrams/Pages/default.asp

HAMP Tier 1 (non GSE)

 https://www.hmpadmin.com/portal/learningcenter/docs/presentations/mhaservicerwebinar_stdaltwtrfall_presentation.pdf

HAMP Tier 2 (non GSE)

https://www.hmpadmin.com//portal/learningcenter/docs/presentations/mhaservicerwebinar_HAMP1_presentation.pdf

HAMP PRA (Principle Reduction Alternative)

http://www.makinghomeaffordable.gov/programs/lower-paymets/Pages/pra.aspx

HAMP (nonGSE) 2MP (2nd Lien Modification Program)

http://www.makinghomeaffordable.gov/programs/second-mortgage-help/Pages/default.aspx

 HAMP (Fannie Mae GSE)

https://www.fanniemae.com/content/faq/home-affordable-modification-program-faqs.pdf  (Note: No Tier 2)

HAMP (Freddie Mac GSE)

http://www.freddiemac.com/singlefamily/service/mha_modification.html  (Note: No Tier 2)

FHA-HUD HAMP

http://portal.hud.gov/hudportal/HUD?src=/hudprograms/fhahamp

http://www.makinghomeaffordable.gov/programs/lower-payments/Pages/fha-hamp.aspx

FHA-HAMP  Second Lien Program (FHA2LP)

http://www.makinghomeaffordable.gov/programs/lower-rates/Pages/fha2lp.aspx

VA HAMP

http://www.makinghomeaffordable.gov/programs/lower-payments/Pages/va-hamp.aspx

USDA HAMP

http://www.makinghomeaffordable.gov/programs/lower-payments/Pages/rd-hamp.aspx

HAUP (Home Affordable Unemployment Program)

http://www.makinghomeaffordable.gov/programs/unemployed-help/Pages/up.aspx

“IN HOUSE” Modifications

 These are modifications offered by individual entities.   You have to ask them for information on their particular program.   Many mimic the HAMP program.

 

Mortgage Loan Refinance Program Options

 

HARP (“Home Affordable Refinance Program”)

 http://www.makinghomeaffordable.gov/programs/lower-rates/Pages/harp.aspx

HARP 3.0:  http://usfinancepost.com/harp-changes-expand-options-for-homeowners-harp-3-0-expected-in-2014-11779.html

HARP (Freddie Mac – GSE)

http://www.freddiemac.com/mortgage_help/harp.html

HARP (Fannie Mae – GSE)

https://www.fanniemae.com/content/faq/harp-du-refi-plus-faqs.pdf

FHA Short Refinance

http://www.makinghomeaffordable.gov/programs/lower-rates/Pages/short-refinance.aspx

 Refinance

All the other usual options with the existing lenders in the market