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Making Home Affordable

trial plan
Understand Trial Plan
Conversion Campaign
The Home Affordable Modification Program requires borrowers to enter into a Trial Period Plan before receiving a permanent Home Affordable Modification. Read about important deadlines and more.
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Find out if you are eligible
Are You Eligible?
Please use the self-assessment tools provided on this website to see if you are among the 7 to 9 million homeowners who may be able to benefit from Making Home Affordable.
Homeowners Like You
Watch the video
Homeowners Like You
VIDEO: The Making Home Affordable program recently visited Boston, MA. Watch now and hear real homeowners just like you talk about getting help and hope through Making Home Affordable.
State and Local
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State and Local HFA's
LATEST NEWS: Treasury announces programs designed to expand resources for working families to access affordable rental housing and home ownership over long term at little or no expected cost to the taxpayer.

Are You Eligible?
Please use the self-assessment tools provided on this website to see if you are among the 7 to 9 million homeowners who may be able to benefit from Making Home Affordable.

Find out if you are eligible

Learn About Making Home Affordable

Refinancing
Many homeowners pay their mortgages on time but are not able to refinance to take advantage of today’s lower mortgage rates perhaps due to a decrease in the value of their home.

Modification
Many homeowners are struggling to make their monthly mortgage payments perhaps because their interest rate has increased or they have less income.

Beware of Foreclosure Rescue Scams - Help Is Free!
  • Beware of anyone who asks you to pay a fee in exchange for a counseling service or modification of a delinquent loan.
  • Scam artists often target homeowners who are struggling to meet their mortgage commitment or anxious to sell their homes. Recognize and avoid common scams.     
  • Assistance from a HUD-approved housing counselor is FREE.
  • Beware of people who pressure you to sign papers immediately, or who try to convince you that they can “save” your home if you sign or transfer over the deed to your house.
  • Do not sign over the deed to your property to any organization or individual unless you are working directly with your mortgage company to forgive your debt.
  • Never make a mortgage payment to anyone other than your mortgage company without their approval.
Report Lending Discrimination to HUD
If you believe you have experienced discrimination based on race, gender, national origin, or another reason, contact HUD’s Office of Fair Housing and Equal Opportunity at 1-800-669-9777.

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If you're having trouble getting a straight answer in connection with the Making Home Affordable program, call 1-888-995-HOPE and they will be able to get you the help you need.

Image: Need urgent help? Contact the Homeowner’s HOPE™ Hotline: (888) 995-HOPE

LATEST NEWS:
1/28: Administration Updates Documentation Collection Process And Releases Guidance To Expedite Permanent Modifications
1/15: Administration Releases December Loan Modification Report, Update On Conversion Drive


UPCOMING EVENTS:
1/27: Fort Myers, FL
1/29: Fort Lauderdale, FL
› More upcoming homeowner events.

Your Path to a More Affordable Mortgage

Your Path to a More Affordable Mortgage

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