What is difference between HAMP and HARP?

Congress came out with 2 parts of the housing stimulus. One was called HAMP (Home Affordable Modification Program) which is for people who are behind on their payments and facing foreclosure. The other program is called HARP (Home Affordable Refinance Program), and is for people who are current on their mortgages. You will want to inquire with a HARP specialist who can quickly determine which program is best for you.