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


 Understanding Program Guidelines

In February 2009, the Obama Administration introduced the Making Home Affordable​ Program, a plan to stabilize the housing market and help struggling homeowners get relief and avoid foreclosure. In March 2009, the Treasury Department (Treasury) issued uniform guidance for loan modifications across the mortgage industry and subsequently updated and expanded that guidance in a series of policy announcements.

The Making Home Affordable Program Handbook for Servicers of Non-GSE Mortgages (4.5) is intended to provide a consolidated resource for programmatic guidance related to the MHA Program for mortgage loans that are not owned or guaranteed by Fannie Mae or Freddie Mac (Non-GSE Mortgages). Servicers of mortgage loans that are owned or guaranteed by Fannie Mae or Freddie Mac should refer to any relevant guidance issued by the applicable GSE. In addition to the applicable guidance in this Handbook, servicers of mortgage loans insured or guaranteed by a federal agency, such as the Federal Housing Administration or Rural Housing Service, should refer to any relevant guidance issued by the applicable agency. 

​​If you are a real estate professional working with a homeowner and his or her mortgage servicer on the Home Affordable Foreclosure Alternatives (HAFA) program and would like more information on servicer-specific HAFA policies, please refer to the servicer eligibility matrix.

Servicer Debt-to-Income Ratio under Second Tier HAMP​​

Supplemental Directive 12-09 provided servicers with flexibility to select a post-modification debt-to-income (DTI) range under HAMP Tier 2 suitable for their portfolio and as provided in the Supplemental Directive, effective February 1, 2013. In addition, effective July 1, 2014 Supplemental Directive 14-02 provided servicers with flexibility to determine whether or not a minimum 10% payment reduction threshold would apply under HAMP Tier 2. DTI ranges and payment reduction threshold provided by the largest servicers.​​​​​​

Last Updated: 6/10/2015 10:04 AM

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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