Making Home Affordable

About Eligibility Loan Look Up Find a Counselor Request a Modification Resources Audio and Video En español

Homeowners Like You
VIDEO:Meet the homeowners who are featured in the new Making Home Affordable public service advertising (PSA) campaign and hear their real-life stories.

Help for the Hardest Hit
UPDATE: On June 23, the Obama Administration announced approval of proposals from the states of Arizona, California, Florida, Michigan and Nevada.

Help for the Unemployed
LATEST: Read about the new Supplemental Directive that provides servicers flexibility to provide assistance to borrowers whose hardship is related to unemployment.

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.

Learn About Making Home Affordable

The Obama Administration’s Making Home Affordable Program includes opportunities to modify or refinance your mortgage to make your monthly payments more affordable. It also includes the Home Affordable Foreclosure Alternatives Program for homeowners who are interested in a short sale or deed-in-lieu of foreclosure.

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.

To view or print the PDF content on this page, download the free Adobe® Acrobat® Reader®

Call 1-888-995-HOPE (4673) for help with the Making Home Affordable Program and to speak with a
HUD-approved housing counselor for free.

Image: Need urgent help? Contact the Homeowner’s HOPE™ Hotline: (888) 995-HOPE
888-995-HOPE (4673)
877-304-9709 TTY

LATEST NEWS:
7/28: U.S. Department of the Treasury, U.S. Department of Housing and Urban Development and The Ad Council Unveil National PSA Campaign to Raise Awareness of Making Home Affordable Program
6/23:Obama Adminstration Approves State Plans For Use of $1.5 Billion In 'Hardest Hit Fund' Foreclosure-Prevention Funding

UPCOMING EVENTS:
July 30-31: Atlanta, GA
August 12: Denver, CO
› More upcoming homeowner events.

Your Path to a More Affordable Mortgage