Fannie's Modifying Loans

I keep reading more and more articles about how lenders are modifying more loans, the Hope for Homeowners loans, Fannie/Freddie streamlining modifications, etc. but it sure doesn’t seem they are doing it as much as they talk about it.

Fannie Mae has reached an agreement to work with one of its former critics, Neighborhood Assistance Corp. of America, to prevent foreclosures by reworking home mortgages to make them easier to afford.

http://online.wsj.com/article/SB123328152873231973.html?mod=todays_us_page_one