Can you switch from Hemp to Harp?
If you have been in a HAMP program for more than 4 years with on time payments, and your credit is acceptable to the Lending institution it is possible, assuming you qualify.

OMG. Nationstar tacked on a "Lender Paid Expenses" of $66,644.60 on my mortgage. Is this legal and how do I dispute it?
Ask for a detailed explanation. Review it and then make your decision.