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


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Homeowner Examples

Read examples of homeowners who may have similar situations as yours.

Modification Evaluator

Use this tool to determine if you may be eligible for the Home Affordable Modification. 

Understanding Net Present Value (NPV)

Visit to educate yourself about how servicers use net present value (NPV) to determine HAMP eligibility and use the calculator tool to conduct an NPV self-evaluation of your own mortgage.

Understanding Your Mortgage Statement

View a sample mortgage statement and research commonly used terms and their definitions that may help you better understand your mortgage statement the Making Home Affordable program.

Lending Discrimination

Discrimination in mortgage lending is prohibited by the federal Fair Housing Act and HUD's Office of Fair Housing and Equal Opportunity actively enforces those provisions of the law.

Understanding the Trial Period

The Home Affordable Modification Program requires borrowers to enter into a Trial Period Plan before receiving a permanent Home Affordable Modification. During this period, borrowers must submit trial payments and all required forms and documents.


Watch videos designed to help educate homeowners about the Making Home Affordable Program and provide additional information about foreclosure prevention

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Last Updated: 5/23/2011 10:06 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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