Home Affordable Modification Program

If you are having a tough time making your mortgage payments, you may be eligible for MHA's Home Affordable Modification Program (HAMP®). HAMP is designed to provide deep and meaningful savings for homeowners devastated by unaffordable increases in expenses or reductions in income.


Many mortgage companies (servicers) -- including Bank of America, JP Morgan Chase, Wells Fargo, and Ocwen -- participate in MHA Programs. View the complete list and contact your mortgage company today. If your mortgage is owned, insured, or guaranteed by Fannie Mae, Freddie Mac, Federal Housing Administration (FHA), Veterans Affairs, or U.S. Department of Agriculture (USDA), ask your mortgage company which solutions will work best for you.

You may be eligible for HAMP if you meet the following criteria:
Because of a financial hardship, you are struggliing to make your mortgage payments.
You are delinquent or in danger of falling behind on your mortgage.
You obtained your mortgage on or before January 1, 2009.
Your property has not been condemned.
You owe up to $729,750 on your primary residence or one-to-four unit rental property (loan limits are higher for two- to four-unit properties).
You have not been convicted within the last 10 years of a crime in connection with a mortgage or real estate transaction.
Steps to Apply
​​Learn about your options by exploring MHA programs and eligibility.
Gather what you will need to complete the application for mortgage help.
Compile the initial package for application:
  • ​​Request for Mortgage Assistance (RMA) Form​
  • IRS Form 4506T-EZ or 4506-
  • Income Verification
  • Speak with a housing expert to better understand your options.
  • Contact your mortgage servicer to submit your application for mortgage help​.
Maintain A Good Standing In Hamp

Applying for a HAMP modification is a very important first step in getting to a more affordable mortgage, but getting a modification is just the beginning. It's important that you take the steps necessary to maintain your good standing in order to fully benefit from the advantages of HAMP:

  • Fully understand the terms of your mortgage.
  • Make your modification payments in full and on time.
  • Prepare now for future payment changes.
  • Improve your financial health for long-term success.


The government has created a variety of programs to help homeowners having difficulty meeting their monthly mortgage obligations. The following is a partial listing of the programs that are now available to homeowners who need assistance:


El gobierno ha creado una variedad de programas para ayudar a los propietarios que tienen dificultades para cumplir con sus obligaciones mensuales de la hipoteca. La siguiente es una lista parcial de los programas que están ahora disponibles para los propietarios de viviendas que necesitan ayuda:

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