Start here to get help!
Please answer the following questions to determine your next steps so that you can start making the most of Making Home Affordable © programs.
Is your home your primary residence?
Is the amount you owe on your first mortgage equal to or less than $729,750?
Are you having trouble paying your mortgage?
For example, have you had a significant increase in your mortgage payment OR reduction in your income since you got your current loan OR have you suffered a hardship that has increased your expenses (like medical bills)?
For example, have you had a significant increase in your mortgage payment OR reduction in your income since you got your current loan OR have you suffered a hardship that has increased your expenses (like medical bills)?
Did you get your current mortgage before January 1, 2009?
Is your payment on your first mortgage (including principal, interest, taxes, insurance and homeowner’s association dues, if applicable) more than 31% of your current gross income?
If you are uncertain about your monthly mortgage payment and gross income, click here.
If you are uncertain about your monthly mortgage payment and gross income, click here.
Are you the owner of a one- to four-unit home?
Do you have a loan owned or guaranteed by Fannie Mae or Freddie Mac?
If you are uncertain who owns or guarantees your loan, click here.
If you are uncertain who owns or guarantees your loan, click here.
Are you current on your mortgage payments? “Current” means that you haven’t been more than 30-days late on your mortgage payment in the last 12 months.
Are you struggling to make your monthly mortgage payments because you have a second lien?
Do you live in Arizona, California, Florida, Michigan, Nevada, North Carolina, Ohio, Oregon, Rhode Island, South Carolina, Alabama, Georgia, Illinios, Indiana, Kentucky, Mississippi, New Jersey, Tennessee, or Washington, DC?
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