Change Home Affordable Modification Program

The HAMP Program is flawed. They reduce your mortgage by about 20 %. However, it is change to a second mortgage. Yes it is 0 % due in 30 years, and no payments. Which means you can not sell your home for 30 years. Otherwise you must pay this second at the time of sell. Locking you in to this house or file bankruptcy. So if you lose your job, or your job move's you you are stuck. You can not move or you owe the entire balance. This is wrong. This only helps the Banks it really does not
help you.
What we need is for FHA, and Fannie Mae, Freddie Mac to forgive the difference from what we owe, and what our house is worth thanks to Wall Street. We also need an immediate automatic adjustment to today's lowest
rate so that people can put money back in to the economy.