The Treasury Department Web site dedicated to both the Home Affordable refinance and modification programs is www.financialstability.gov. More details on both programs are available there.
The bottom line for anyone looking to benefit from these programs is that it's going to take some time. I'd call both numbers at least once a week for a couple months.
Don't make one call and then give up. It's going to take time, effort and patience.
This work is the opinion of the columnist and in no way reflects the opinion of ABC News.
David McPherson is founder and principal of Four Ponds Financial Planning in Falmouth, Mass. He previously worked as a financial writer and editor for The Providence Journal in Rhode Island. He is a member of the Garrett Planning Network, whose members provide financial advice to clients on an hourly, as-needed basis. Contact McPherson at email@example.com.