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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 MHA's 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
Many mortgage companies (servicers) -- including Bank of America, JP Morgan Chase, Wells Fargo, and Ocwen -- participate in MHA Programs. View the complete list and contact your mortgage company today. If 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), ask your mortgage company which solutions will work best for you.
+ Eligibility*
You may be eligible for HAMP if you meet the following criteria:
  • Because of a financial hardship, you are struggliing to make your mortgage payments.
  • You are delinquent or in danger of falling behind on your mortgage.
  • You obtained your mortgage on or before January 1, 2009.
  • Your property has not been condemned.
  • You owe up to $729,750 on your primary residence or one-to-four unit rental property (loan limits are higher for two- to four-unit properties).
  • You have not been convicted within the last 10 years of a crime in connection with a mortgage or real estate transaction.

*Eligibility criteria are for guidance only. Contact your participating mortgage servicer to find out if you are eligible to begin the HAMP evaluation process. If you qualify for HAMP and you have a second mortgage, you may also qualify for MHA's Second Lien Modification Program (2MP)​.

+ Steps to apply for a HAMP Modification
  1. ​​Learn about your options by exploring MHA programs and eligibility.
  2. Gather what you will need to complete the application for mortgage help.
  3. Compile the initial package for application:
  4. ​Speak with a housing expert to better understand your options.
  5. Contact your mortgage servicer to submit your application for mortgage help​.
+ Maintain Good Standing in HAMP

Applying for a HAMP modification is a very important first step in getting to a more affordable mortgage, but getting a modification is just the beginning. It's important that you take the steps necessary to maintain your good standing in order to fully benefit from the advantages of HAMP:

  • Fully understand the terms of your mortgage.
  • Make your modification payments in full and on time.
  • Prepare now for future payment changes.
  • Improve your financial health for long-term success.  
Learn more about successfully maintaining your HAMP modification.

+ Videos
Last Updated: 9/4/2014 11:17 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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