chitown,
The H4H is a completely new loan that you would have to qualify for, it is a refinance into an FHA loan with a strict criteria that would need to be met for qualifying.............the investor on your current loan would need to be participating...........and if you have any additional liens on the property, they would need to agree to release their liens and extinguish their loans.................
Here is the info for the program...............
HOPE for Homeowners