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


 Understanding Net Present Value (NPV)

CheckMyNPV®​​​​.com​ 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. Homeowners who occupy their home as their primary residence, and have already applied for or are considering the Home Affordable Modification Program, can visit to learn more about the NPV evaluation process.

Please note: is currently being updated to reflect changes under the revised HAMP eligibility criteria for non-owner occupants announced on June 1, 2012. If you are a homeowner who falls into the revised criteria, we encourage you to check back here to find out updates as they become available. 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: 6/18/2012 9:46 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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