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


 What to Expect

What to Expect from Making Home Affordable

Getting help through the MHA program requires some effort. Homeowners who prepare are far more likely to get their most positive outcome. So expect to spend some time at learning about your options, your eligibility and the steps you must take to apply for assistance. Learn all you can and become familiar with the features of the programs offered. Find the one you think fits your situation best. The time you spend on this site could pay big dividends for your future as a homeowner.


What to Expect from Your Mortgage Company

Some of the effort that will be required of you is a commitment to assist your mortgage servicer in every way you can. Your mortgage servicer wants to find a way to keep you in your home. Giving you a loan modification brings them lower returns but the cost is far less than a foreclosure would cost them. So your mortgage servicer's biggest concern is whether you can comfortably pay the new modified payments. In addition to a standard Initial Package of documents that most servicers require, the more information you can provide to assure them that you will be able to make the new payments, the easier it will be for them to review and evaluate your application for a modification.

What to Expect from a Housing Expert

If you decide to work with a HUD-approved housing counselor, you can expect that they will work as your advisor and advocate. As your advisor, your counselor needs as much information about your situation as you can provide to know which MHA options you should pursue. As your advocate, working with your mortgage company on your behalf, your counselor needs documentation to champion your cause. Your counselor will need documented information about your loan, your financial situation and your prospective income going forward. The more documentation you can provide, the more thorough your counselor can be in finding the best solution for your situation.

  • Expect to spend time gathering the documents your housing counselor and/or mortgage servicer will need to evaluate your situation.
  • Expect your mortgage servicer to willingly and cooperatively work with you if you stay in frequent contact with them.
  • Expect your MHA no-cost HUD-approved housing counselor to be a strong advocate and advisor for you every step of the way.
  • Expect to get real help from real people, 24-7, at 888-995-HOPE (4673).
Last Updated: 1/18/2012 12:39 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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