Hey everyone, i just wanted to inform everyone of the difference between HARP and HAMP. HARP is for homeowners that are not behind on their payments. HAMP is for homeowners that ARE behind on their payments. Both program guidelines are pretty much the same (primary residence, 125% value, etc). Hope it helps someone. The document did say the programs will end June 30th, 2010 although i think Obama may extend the programs. Good luck to you all!