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


 Lower Interest Rates

Take advantage of today's historically low mortgage interest rates. MHA offers refinance programs to help families get into more affordable and more stable fixed-rate mortgages. Even if you owe more than your home is worth, you may be eligible. Learn more about these programs.

"There are more solutions for homeowners today than there have ever been."

Gary - GMAC Mortgage


Home Affordable Refinance Program (HARP) ›

If you're not behind on your mortgage payments but have been unable to get traditional refinancing, you may be eligible to refinance through the Home Affordable Refinance Program.

FHA Refinance for Borrowers with Negative Equity (FHA Short Refinance) ›

If you're not behind on your mortgage payments but owe more than your home is worth, (and your loan is not insured or guaranteed by FHA), FHA Short Refinance may be an option that your mortgage servicer will consider.
Last Updated: 10/18/2012 4:19 PM

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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