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


 Understanding Net Present Value (NPV) is a free consumer online tool designed to assist homeowners learning about the net present value (NPV) evaluation process under the Home Affordable Modification Program® (HAMP)® and to conduct an NPV evaluation of their mortgage. Whether you have already applied for or are considering the Home Affordable Modification program, you can visit to learn more about the NPV evaluation process. is an official site of the Making Home Affordable Program ®, an official program of the U.S. Departments of the Treasury and Housing and Urban Development.

Last Updated: 5/21/2013 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.

Untitled 1