Skip to content Skip to footer site map

Navigate Up
Sign In

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


 Get Assistance

Explore Eligibility

You may be eligible for one of the new programs to help homeowners make their homes more affordable.

Find an Advisor/Counselor

Help find a HUD-approved housing counselor will talk to you about your situation and help you decide what mortgage options are best for you.

Loan Look Up

If your mortgage is owned by Fannie Mae or Freddie Mac, you may be eligible for a Home Affordable Refinance to take advantage of lower interest rates.

Request a Modification

Homeowners apply for the Home Affordable Modification Program (HAMP) by submitting a complete “Initial Package” to their mortgage company.

Contact Your Mortgage Company

Over one hundred mortgage companies have agreed to participate in the Home Affordable Modification Program (HAMP), find their contact information here.

Homeowner Events

Throughout the country, federal, state, and local governments, along with nonprofit organizations, are sponsoring homeownership events where borrowers can learn about foreclosure prevention options and get immediate help connecting with loan servicer representatives and local housing counselors.

Payment Reduction Estimator

The Payment Reduction Estimator will determine what your current mortgage debt-to-income is and how much your monthly payment may be reduced if you qualify for a modification.

Bookmark and Share
Last Updated: 2/12/2011 4:08 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.

Untitled 1