Based on your answers to the modification eligibility questions, you may qualify for a Home Affordable Modification. The next step is to gather the information you will need when you speak to your mortgage servicer or a HUD-approved housing counselor.

You can download this information on the Request a Modification page.

After you have this information, you should call your mortgage servicer and ask to be considered for a Home Affordable Modification.

Please be patient
Mortgage servicers are receiving a high volume of inquiries and there may be a slight delay before they process all applications.

SERVICERS HAVE MADE A COMMITMENT TO DELAY FORECLOSURE SALES ON ALL LOANS THAT MEET THE MINIMUM ELIGIBILITY CRITERIA FOR A HOME AFFORDABLE MODIFICATION WHILE AN APPLICATION IS UNDER CONSIDERATION.

If you have already missed one or more mortgage payments - contact your mortgage servicer immediately or call 1-888-995-HOPE (4673) to reach a HUD-approved housing counselor.

A HUD-approved housing counselor can help you understand your options. This counseling is FREE.