The Making Home Affordable Program was launched in February 2009 as part of the Administration’s broader plan to stabilize the housing market and provide relief to struggling homeowners. Since its launch, Making Home Affordable has been expanded to provide more options for struggling homeowners, including programs for homeowners who are unemployed, “underwater” (owe more on their home than it is currently worth), or struggling with a second lien. Making Home Affordable also includes the Home Affordable Foreclosure Alternatives Program (HAFA) which has greatly streamlined the process for homeowners seeking a short sale or deed-in-lieu of foreclosure.