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Email On February 18, 2009, President Obama announced the Homeowner Affordability and Stability Plan, which is designed to help 7 to 9 million families restructure or refinance their mortgages to avoid foreclosure. According to information released by the Treasury Department, the Homeowner Affordability and Stability Plan consists of three initiatives. https://www.cadwalader.com/resources/clients-friends-memos/highlights-of-the-homeowner-affordability-and-stability-plan