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Making Home Affordable An official program of the Departments of the Treasury & Housing and Urban Development


 About MHA

The Making Home Affordable ® Program (MHA) ® is an important part of the Obama Administration's comprehensive plan to stabilize the U.S. housing market by helping homeowners get mortgage relief and avoid foreclosure. To meet the various needs of homeowners across the country, Making Home Affordable ® programs offer a range of solutions that may be able to help you take action before it's too late.

  • Refinance and take advantage of today's low mortgage interest rates.
  • Reduce your monthly mortgage payments.
  • Get mortgage relief while searching for re-employment.
  • Get help when you owe more than your home is worth.
  • Avoid foreclosure when homeownership is no longer affordable or desirable.

"I’m just glad I didn’t give up on myself, in that people are still here to back me up."

Joseph - Homeowner

What is MHA®? ›

Learn about Making Home Affordable ®, a free federal government program designed to help homeowners struggling to make their mortgage payments.

Explore Programs ›

Explore programs that offer real help to people who have suffered financial setbacks and others who are having difficulty making their mortgage payments.

Frequently Asked Questions ›

Get answers to both general information questions and questions asked by homeowners just like you.

Latest News ›

Find homeowner events in your area, what's happening in the housing market and how Making Home Affordable ® may help you deal with it; published articles, press releases and more.

Making Home Affordable ® PSA Campaign ›

View the Making Home Affordable ® Public Service Advertising (PSA) campaign. The campaign aims to increase awareness of the Making Home Affordable ® Program's free resources and assistance for homeowners who are struggling with their mortgage payments, brought to you by The U.S. Department of the Treasury, the U.S. Department of Housing and Urban Development and the Ad Council.
Last Updated: 3/13/2012 3:02 PM

Help is a Phone Call Away

888-995-HOPE (4673)
Hearing impaired: 877-304-9709 TTY

As you enter a process that can sometimes be overwhelming, it would be in your best interest to engage a housing expert to help you along the way. Let a HUD-approved housing counselor help you understand your options, prepare your application, and work with your mortgage company.

Hear it from Homeowners

Curtis and Darlene, Chicago IL

Curtis and Darlene of Chicago, IL

Curtis and Darlene had lived in their home for 35 years when Curtis lost his job. That’s when MHA helped them cut their mortgage payments in half.

Beware of Scams


Unfortunately, and far too often, homeowners looking for mortgage help end up victimized by scam artists. Know the warning signs to protect yourself, your money, and your home.

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