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If you’re not unemployed, but you’re still struggling to make your mortgage payments, you may be eligible for the Home Affordable Modification Program (HAMP). HAMP can lower your monthly mortgage payment to 31 percent of your verified monthly gross (pre-tax) income, which usually provides savings of hundreds of dollars per month.

Making Home Affordable is planning enhancements to the HAMP Program. Detailed information will be available for mortgage servicers in February 2012. The expanded program for homeowners is expected to be available at the earliest in June 2012. We will update this site as more details become available.

Please refer to our homeowner Q&A document or call 888-995-HOPE (4673) to speak with a housing expert.


+ Eligibility

You may be eligible for HAMP if you meet all of the following criteria:

  • • You occupy the house as your primary residence.
    • You obtained your mortgage on or before January 1, 2009.
    • You have a mortgage payment that is more than 31 percent of your monthly gross (pre-tax) income.
    • You owe up to $729,750 on your home.
    • You have a financial hardship and are either delinquent or in danger of falling behind.
    • You have sufficient, documented income to support the modified payment.
    • You must not have been convicted within the last 10 years of felony larceny, theft, fraud or forgery, money laundering or tax evasion, in connection with a mortgage or real estate transaction.

Get more information on how to apply for a modification ›

*Eligibility criteria are for guidance only. Contact your mortgage company to see if you may be eligible for HAMP.

+ Program Availability

Contact your mortgage servicer (the company to which you make your mortgage payments) to see if they participate in the program. Not all servicers do. If yours does not, they may offer their own foreclosure prevention solutions that might be best suited to your situation.

If your mortgage servicer does participate in the MHA program but makes the determination that you are not eligible for a HAMP modification, they may offer you modification alternatives of their own.

Program ends December 31, 2013.

+ Steps to apply for a HAMP Modification
To apply for HAMP, you need to complete and provide the following to your HAMP participating mortgage servicer.

  • Request for Mortgage Assistance Form

If your mortgage is owned, insured, or guaranteed by Fannie Mae, Freddie Mac, FHA, VA or USDA, ask your mortgage servicer which solutions might be best suited to your situation.

+ More Information

If you have additional questions about getting mortgage help, contact one of our housing experts at 888-995-HOPE (4673). These HUD-approved housing counselors will help you understand your options, design a plan to suit your individual situation, and prepare your application. Research shows that homeowners who work with housing experts like these are more successful and have better long-term outcomes. There is no cost to you for this valuable, around-the-clock service. Help is available in more than 160 languages.

If you qualify for HAMP and also have a second mortgage, you may also qualify for the Second Lien Modification Program (2MP).

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