I think there is some confusion here..............Hope for Homeowner or H4H only went into effect on October 1, 2008 and it was slated to help 400,000 homeowners through September 2011............not millions, so I am not sure what program you had heard this about.......but it isn't the Hope for Homeowners program (H4H).........
Home owners clamor for help that's slow in coming - Oct. 22, 2008 HOPE for Homeowners