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4. Apply for Help Today

The sooner you apply, the sooner you can get help!


Complete your application for Making Home Affordable (MHA) programs by downloading, completing and submitting the following forms with the documentation compiled in Step 3:

Remember, you don’t have to go it alone. You can work with a HUD-approved housing counseling agency to help you through any of these steps or the entire process. To find a housing counseling agency near you that will help you at no cost, call 888-995-HOPE (4673), they are available 24/7 for assistance in 170 languages.

Complete the RMA Form

The RMA Form provides information to your mortgage company about your home and financial situation.  All of the borrowers on the mortgage must sign the RMA Form. After you have completed and signed the form, print two copies—one for your records and one to send to your mortgage company.

Complete the Appropriate IRS Request for a Tax Return Transcript or Submit a Signed Copy of Your Tax Return for the Most Recent Tax Year

Borrowers who have filed their annual taxes on a Form 1040, should complete Tax Form 4506T-EZ. Form 4506T-EZ gives permission to your mortgage company to request a copy of the most recent tax return transcript you have filed with the Internal Revenue Service (IRS). After you have completed and signed the appropriate Tax Form, print two copies—one for your records and one to send to your mortgage company.

All other borrowers, including those who have not been required to file taxes because their income may be below the threshold amount required to file taxes or their only source of income may be non-taxable income, should complete Tax Form 4506-T. If you did not file a tax return, Form 4506-T gives permission to your mortgage company to verify that you did not file a tax return with the Internal Revenue Service (IRS). Only one taxpayer is required to sign the Tax Form.

After you have completed and signed the appropriate Tax Form, print two copies—one for your records and one to send to your mortgage company.

Get Expert Help

Once you have compiled the completed forms and required documentation, be sure that you have a copy of the entire package. You are now ready to apply.

If you have any questions at all about what is required or whether you might be eligible, now is definitely the time to reach out for expert help and advice. There are a number of benefits when working with a counseling expert from a HUD-approved housing counseling agency. Call 888-995-HOPE (4673) or visit HUD.gov to find one near you.

Submit the Documents to Your Mortgage Company

You may be asked to mail, fax or upload your application for mortgage help. Contact your mortgage company to determine their preference.

Get Your Mortgage Company’s Information ›

Last Updated: 1/1/2017 11:14