A new survey from the National Community Reinvestment Coalition has raised new questions about the Obama administration’s $75 billion Home Affordable Modification Program. The program is designed to provide financial incentives for mortgage lenders and servicers to reduce monthly payments for struggling homeowners. The survey found white homeowners are almost 50 percent more likely to receive a loan modification under the mortgage program than African Americans or Latinos. Meanwhile, loan servicers foreclose on delinquent African American borrowers more quickly than white or Latino borrowers.