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Have questions?
If you have additional questions about the program, please call the Homeowner’s HOPE™ Hotline at 1-888-995-HOPE (4673). If you need help working with your mortgage company, or believe that you have been wrongfully denied for a modification, please call the hotline and ask for “MHA Help.”


Struggling to make your monthly mortgage payments?

What is HAMP?

HAMP® – the Home Affordable Modification Program – is part of the Making Home Affordable® Program (MHA)® to help homeowners get mortgage relief and avoid foreclosure.

Through HAMP, homeowners who are not unemployed but struggling to make their monthly mortgage payments, may lower their monthly payments and make them more affordable and sustainable for the long-term.

If you currently occupy your home as your primary residence, contact your mortgage servicer​ as soon as possible to begin the HAMP evaluation process.

Find out if you are eligible

You may be able to qualify for HAMP if you meet all of the following requirements:

  • You obtained your mortgage on or before January 1, 2009.

  • You owe up to $729,750 on your primary residence or single unit rental property.

  • You owe up to $934,200 on a 2-unit rental property; $1,129,250 on a 3-unit rental property; or $1,403,400 on a 4-unit rental property.

  • The property has not been condemned.

  • You have a financial hardship and are either delinquent or in danger of falling behind on your mortgage payments (non-owner occupants must be delinquent in order to qualify).

  • You have sufficient, documented income to support a modified payment.

  • You must not have been convicted within the last 10 years of felony larceny, theft, fraud or forgery, money laundering or tax evasion, in connection with a mortgage or real estate transaction.

If this sounds like you, contact your mortgage servicer to see if you are eligible to begin the HAMP evaluation process.

Not all servicers participate in the program. If yours does not, they may offer their own foreclosure prevention solutions that might be best suited for your situation. Also, your mortgage servicer may offer you modification alternatives of their own. If your mortgage is owned, insured or guaranteed by Fannie Mae, Freddie Mac, FHA, VA or USDA, ask your mortgage servicer which solutions might be best suited to your situation.

Get Started

To get started, contact your mortgage servicer: to discuss your options and determine if HAMP is the right solution for you. Your service provider will direct you through the HAMP application process. Be prepared to provide the following.

Visit the Making Home Affordable website for more information on HAMP

If you have additional questions about the program, please call the Homeowner’s HOPE™ Hotline at 1-888-995-HOPE (4673).

© 2016 Federal Housing Finance Agency