Skip to content Skip to footer site map

Navigate Up
Sign In

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


 Explore Programs

The Making Home Affordable Program (MHA)® is a critical part of the Obama Administration's broad strategy to help homeowners avoid foreclosure, stabilize the country's housing market, and improve the nation's economy.

"Once you show them that you're trying they're going to help you but you have to try first. And they will help."

Kenny - Homeowner

Homeowners can lower their monthly mortgage payments and get into more stable loans at today's low rates. And for those homeowners for whom homeownership is no longer affordable or desirable, the program can provide a way out that avoids foreclosure. Additionally, there are options for unemployed homeowners and homeowners who owe more than their homes are worth.

Lower Monthly Payments ›

Lower your mortgage payments with an MHA loan modification.

Lower Interest Rates ›

Take advantage of today's historically low mortgage interest rates through MHA refinance programs that help you get into more affordable and more stable fixed-rate mortgages.

If You Are Unemployed ›

Get the financial relief you need, even if you are unemployed.

If You Have a Second Mortgage ›

Learn about an MHA program designed for those with a home equity loan, HELOC, or other second lien that makes it difficult to keep up with mortgage payments.

If Your Home’s Value Has Fallen ›

Find out what to do if the value of your home has fallen below what you owe on it, through an MHA program that specifically address this issue.

Leave Your Home & Avoid Foreclosure ›

If homeownership is no longer affordable or desirable, you may be able to transition out of your home and avoid foreclosure through an MHA program that also provides $10,000 in relocation assistance.

Military Resources ›

Under recently announced changes to HAMP, military homeowners and other families who are permanently displaced by a job-related move may still qualify as owner-occupants, which means you may still be eligible for a mortgage modification.

View All Programs ›

Take a quick look at all of the MHA programs and see which one might be right for you.
Last Updated: 3/19/2015 9:50 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.

Untitled 1