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Federal Assistance - Making Home Affordable Programs

The Making Home Affordable (MHA) Program is a federal initiative to help stabilize the country’s housing market, help homeowners get mortgage relief and avoid foreclosure. There are a number of MHA options available to assist with eligible homeowners in varying positions of difficulty. Please talk with one of our nonprofit housing counseling agencies to learn more about you options. View the list of housing counseling agencies in our state-wide network.

For more information on MHA visit: www.makinghomeaffordable.gov

Lower Monthly Payments (Modification Programs)

Through one of the MHA modification programs, homeowners may be eligible to reduce their monthly mortgage payments to make them more affordable and sustainable. Programs include the Home Affordable Modification Program (HAMP).

See more information on MHA Modification programs

Lower Interest Rates (Refinance Programs)

Under the MHA refinance programs, eligible homeowners are able to get more affordable and more stable fixed-rate mortgages at today’s historically low mortgage interest rates. Help is available even if the home is underwater (homeowner owes more on the home than what it is worth). Programs include the Home Affordable Refinance Program (HARP).

See more information on MHA Refinance Programs

Unemployment Programs (MHA UP)

For homeowners that are suffering from loss of employment and struggling to meet their monthly mortgage payments, MHA unemployment programs are designed to provide assistance while you search for re-employment. Programs include the Home Affordable Unemployment Program (UP) and the Hardest Hit Fund (HHF).

See more information on MHA Unemployment Programs

MAKING HOME AFFORDABLE UNEMPLOYMENT PROGRAM (UP)

Second Mortgages

If a second mortgage, such as a HELOC or home equity loan, is making it difficult for you to keep up with your mortgage payments the MHA Second Lien Modification Program (2MP) may be of help.

See more information on the MHA Second Lien Modification Program (2MP)

Underwater

If your home’s value has fallen so that you now owe more on your mortgage than your home is currently worth, there are MHA programs designed to bring what you pay closer to what your home is now worth.

See more information on MHA Fallen Home Value Programs

Foreclosure Alternative Programs

If you can no longer afford or desire to stay in your home and wish to transition to an affordable living situation, under the MHA Home Affordable Foreclosure Alternatives Program (HAFA) you may avoid foreclosure and qualify for relocation assistance.

See more information on MHA Home Affordable Foreclosure Alternatives Program (HAFA)