Two new programs designed to help the most troubled homeowners were ended March 3 by a vote of the House Financial Services Committee, as noted by HousingWire.com.  HUD’s Emergency Homeowners Loan Program (EHLP) would help out-of-work homeowners borrow up to $50,000 at zero percent interest.  The other program is the Federal Housing Administration’s (FHA) Short Refi program, which helps underwater homeowners with new FHA loans.  The Short Refi began in September, but ELHP was not accepting applications before this spring.  The bills are set to reach the House floor within the week.  Meanwhile, the committee will bring two additional programs to the chopping block for likely dispatch.  The Home Affordable Modifications Program (HAMP), which modified existing loans to allow borrowers to avoid foreclosure, and the Neighborhood Stabilization Program (NSP), which funds governmental and community entities to deal with foreclosed and abandoned properties, will be voted on this week.