to help those with heavy debt loads to avoid losing their homes.  The HOME AFFORDABLE MODIFICATION PROGRAM will be extended through 2013.  The govt will triple financial incentives for private lenders to reduce principal amounts of mortgages for homeowners at risk of losing their homes.  For the 1st time, the govt will offer incentives for  principal reductions if loans through Fannie Mae or Freddie Mac.   The 3 yr old program has had successes, but can be a bureaucratic nightmare.  The Obama administration is unveiling new legislating in coming days to allow more homeowners to refinance their mortgages in a separate program, the HOME AFFORDABLE REFINANCE PROGRAM.  Both lenders and homeowners have complained of lost documents and paperwork moving through the system.