HI River Brat,
Welcome to the forum and thank you for joining.................
Whoever you spoke to at the lender is confusing two different programs.......
This is the FAQ's for the FHA Secure........and it has been available for a while......
FHA Secure Frequently Asked Questions for Homeowners
Here is the FAQ's for the Housing and Economy Recovery Act which begins on October 1st.
Housing and Economic Recovery Act of 2008 FAQ
For either of these program you would need to search for an FHA approved lender in your area on FHA's website
www.fha.gov
and see if you qualify.........