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


 Military Resources

Under recently announced changes to HAMP®, military homeowners and other families who are permanently displaced by a job-related move may be eligible for a mortgage modification.

+ Eligibility *

If you’re a service member struggling with your mortgage payment, you may be eligible for a HAMP modification if:

  • You are displaced due to an out-of-area job transfer such as permanent change of station (PCS) orders and were occupying the home as a principal residence immediately prior to the displacement;
  • You intend to return to the home at some point in the future; and
  • You do not own any other single-family real estate.

Military and other families who do own other residential properties may still qualify for a HAMP modification under an expanded rental property modification option or qualify for a short sale under
Home Affordable Foreclosure Alternatives Program (HAFA).

Get more information on how to apply for a modification ›

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

Contact your mortgage servicer (the company to which you make your mortgage payments) to see if they participate in the program. Not all servicers do. If yours does not, they may offer their own foreclosure prevention solutions that might be best suited to your situation.

If your mortgage servicer does participate in the MHA program but makes the determination that you are not eligible for a HAMP modification, they may offer you modification alternatives of their own. Be sure to ask your servicer if they offer programs for service members.

Program enrollment ends December 31, 2015.

+ 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 160 languages.

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

Last Updated: 11/8/2013 10:02 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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