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


 What You Will Need

Exactly what you will need to provide your mortgage company to apply for mortgage assistance through Making Home Affordable varies somewhat from program to program and from servicer to servicer– but they all require documentation on your loan, your finances and your circumstances. To maximize your options, you will need to gather this documentation as quickly and completely as you can. You will need to download, fill out and copy several forms that you will find on this website. And you will need to compile all your forms and documents into an organized file that your housing expert or mortgage servicer can understand and evaluate.

To apply for help through the Making Home Affordable Program be prepared to provide:

  • Monthly mortgage statement
  • Information about other mortgages on your home, if applicable
  • Two most recent pay stubs for all household members contributing toward the mortgage payment
  • Last two years of tax returns
  • If self-employed, the most recent quarterly or year-to-date profit and loss statement
  • Documentation of income you receive from other sources (alimony, child support, social security, etc.)
  • Two most recent bank statements
  • A utility bill showing homeowner name and property address
  • Unemployment insurance letter, if applicable
  • Account balances and minimum monthly payments due on all of your credit cards
  • Information about your savings and other assets
  • It may also be helpful to have: A letter describing any circumstances that caused your income to be reduced or expenses to be increased (job loss, divorce, illness, etc.)

In addition, you need to complete and present the following forms:

If you've already received an offer from someone to purchase your home, be prepared to submit these additional forms:

  • ​​​Alternative Request for Approval of Short Sale (Alternative RASS)
  • Executed sales contract
Last Updated: 8/1/2014 9:52 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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