Anna Cuevas

Making Home Affordable (MHA), a government program intended to prevent foreclosures, has been expanded another year. Originally slated to end at the end of 2012, the program has been extended to December 31, 2013, in an effort to allow more people to apply and receive assistance through the program.

The changes to the program are set forth in HAMP (Home Affordable Modification Program) and other programs within the MHA and are known as HAMP Tier 2. The program extends the qualifications for a loan modification and other homeowner assistance, and it extends the deadline for applying, as follows:

  • Borrowers must submit their original application for HAMP on or before December 31, 2013;
  • Borrowers must submit their request for assistance under the unemployment (UP) provision by December 31, 2013;
  • Eligibility requests for short sale agreements or a deed-in-lieu of foreclosure are also extended to December 31, 2013;
  • Requests for assistance under the Federal Housing Authority or the RHS must be made on or before December 31, 2013.


By extending the program for an additional year, it is hoped that more people will be able to qualify and be approved under HAMP and MHA programs, which assisted fewer homeowners than anticipated since their inception. Strict adherence to the deadlines is crucial. Homeowners who apply should ensure that their application is sent via registered or certified mail, requesting a return receipt, or another method that provides a date and time stamp verifying submission.


Together with an expansion of the qualification criteria and a revised monthly mortgage interest formula, net present value (NPV) of your home, and other eligibility terms, this one year expansion can help many homeowners qualify for a loan modification or other foreclosure prevention assistance. Applying is the first step—make sure you do so before the December 31, 2013, deadline approaches.


Anna Cuevas, ex-bank executive turned homeowner advocate known as “America’s Loan Modification Guru,” has empowered and guided thousands of Americans in keeping their homes from foreclosure through loan modification self-advocacy. A popular blogger (, Cuevas has been called a “superhero of the loan modification industry” and has been nominated for CNN’s Heroes. She is the #1 bestselling author of SAVE YOUR HOME Without Losing Your Mind or Money.


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