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


 Need to Leave Your Home?

If the cost of homeownership has become too much to bear, the MHA Home Affordable Foreclosure Alternatives Program® (HAFA) allows you to transition out of your home and avoid foreclosure with $10,000 in relocation assistance and peace of mind.

"In many cases, [a short sale] is a dignified exit strategy where the borrower can sell the home and avoid the negative impact of foreclosure on their credit report and return to a better financial position."

Jerry - Bank of America

Home Affordable Foreclosure Alternatives (HAFA) ›

If you can't afford your mortgage payment and it's time for you to transition to more affordable housing, this program is designed for you.

Housing Finance Agency Innovation Fund for the Hardest Hit Housing Markets (HHF)›

The U.S. Treasury's Hardest Hit Fund provides more than $7.6 billion in aid for homeowners in states hit hardest by the economic crisis.
Last Updated: 2/4/2015 11:06 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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