Making Home Affordable Gets Thrown A Curve - Loan Modification Help Center By: Loan Modification Help Center | Jul 28th 2009 - Rising unemployment is throwing a wrench into the Obama administration's effort to reduce foreclosures and stabilize the housing market through various initiatives like Making Home Affordable"'. When the first wave of delinquencies and foreclosures started in the fourth quarter of 2006, it was centered on the risky adjustable subprime mortgages which, in many cases, were destined to failure due to the unsuitability of the borrowers. Tags:loan modification, loan modifications, home loan modification, loan modification advice, loan modification programs, loan modification process