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 Started

Real help is available, right now – and the sooner you seek help, the more options you'll have. You'll need to gather certain documents, fill out forms you can download from this website, then contact an MHA ® housing expert or your mortgage company to begin the application process. We'll be here to provide critical information and answer all your questions all the way through. You'll find that the investment of time and effort to complete the process is one of the best investments you've ever made. View this video to help you get started​ (video)

"We want to reach people the minute they feel they're struggling to make a payment; the minute they feel they can't make that payment."

Alvina - U.S. Department of the Treasury

What to Expect ›

Learn what to expect from your mortgage company, your housing expert and

What You Will Need ›

To apply for mortgage relief through MHA ®, you will need to gather documentation on your loan, your finances and your circumstances as soon as you possibly can.

Finding the Right Program ›

Your answers to a few questions will determine your next steps in gaining mortgage relief through Making Home Affordable ®.

Speak with an MHA Housing Expert ›

Let a housing expert help you understand your options, design a plan to suit your individual situation, prepare your application and communicate with your servicer. There is no cost to you for this valuable, around-the-clock service. Help is available in more than 160 languages.

Contact Your Mortgage Company ›

Find out if your mortgage company is one of the over one hundred mortgage companies that participate in the Making Home Affordable Program ®.

Request a Modification ›

Learn the documents you will need to provide and the steps you will need to take to apply for a Home Affordable loan modification.
Last Updated: 3/18/2013 11:29 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.

Untitled 1