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HAMP Redefault Rate Less Than 2% After Six Months As of December 31, 2013, 359,072 homeowners, or 28% of all participants who received a permanent HMAP modification, fell three months behind on payments and thus redefaulted out of the program. And the older HAMP modifications appear to be doing even worse. For hamp modifications received in 2009, the redefault rate ranged from 43% to 49.6%.
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