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


 Home Affordable Modification Program

If you are having a tough time making your mortgage payments, you may be eligible for the Home Affordable Modification Program (HAMP®). HAMP is designed to provide deep and meaningful savings for homeowners devastated by unaffordable increases in expenses or reductions in income.

+ Availability
  • First, determine whether your mortgage is owned, insured, or guaranteed by Fannie Mae, Freddie Mac, Federal Housing Administration (FHA), Veterans Affairs, or U.S. Department of Agriculture (USDA). If it is, explore their respective resources and ask your mortgage company which solutions might be best suited to your situation.
  • More than 70 mortgage companies, including the nation's largest, participate in MHA's HAMP. Review the list of participating mortgage servicers to find out whether yours is participating.
    • HAMP is often just one of the tools your mortgage company has in its toolbox. If you are ineligible for HAMP, ask about alternative options that may be suitable for you.
    • If your mortgage company does not participate in HAMP, ask what other mortgage help solutions are available.
+ Eligibility
You may be eligible for HAMP if you meet the following criteria:
  • You have a financial hardship.
  • You obtained your mortgage on or before January 1, 2009.
  • You owe up to $729,750 on your primary residence or one-to-four unit rental property.
  • You must not have been convicted within the last 10 years of felony larceny, theft, fraud or forgery, money laundering or tax evasion, in connection with a mortgage or real estate transaction.

*Eligibility criteria are for guidance only. Contact your mortgage company to see if you may be eligible for HAMP.

Get more information on how to apply for a modification ›

+ Steps to apply for a HAMP Modification
To apply for HAMP, you need to complete and provide the following to your HAMP participating mortgage servicer.

If your mortgage is owned, insured, or guaranteed by Fannie Mae, Freddie Mac, FHA, VA or USDA, ask your mortgage servicer which solutions might be best suited to your situation.

+ More Information

If you have additional questions about getting mortgage help, contact one of our housing experts at 888-995-HOPE (4673). These HUD-approved housing counselors will help you understand your options, design a plan to suit your individual situation, and prepare your application. Research shows that homeowners who work with housing experts like these are more successful and have better long-term outcomes. There is no cost to you for this valuable, around-the-clock service. Help is available in more than 170 languages.

If you qualify for HAMP and also have a second mortgage, you may also qualify for the Second Lien Modification Program (2MP).

+ Videos
Last Updated: 8/1/2014 10:03 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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