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


 Get Help if Unemployed

MHA has programs designed to provide assistance to unemployed homeowners struggling to keep up with their payments. Learn more about these MHA and related programs.

"The earlier we get to you, the more options we have available."

Roy - Housing Counselor




Home Affordable Unemployment Program (UP)

Through MHA's Home Affordable Unemployment Program (UP), depending on your situation, your mortgage payments may be reduced to 31 percent of your income or suspended altogether for 12 months or more.

Hardest Hit Fund (HHF)

The U.S. Treasury's Hardest Hit Fund provides more than $7.6 billion in aid for homeowners in states hit hardest by the economic crisis.
Last Updated: 3/8/2013 9:26 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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