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Making Home Affordable

Help for the Hardest Hit
Read More: Help for Unemployed Homeowners
Help for the Unemployed
LATEST:Obama Administration announces additional support to help homeowners struggling with unemployment through two targeted foreclosure-prevention programs.
Help for the Hardest Hit
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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
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Help for the Hardest Hit
UPDATE:On August 4, the Obama Administration announced approval of state plans to help homeowners struggling with unemployment in North Carolina, Ohio, Oregon, Rhode Island and South Carolina.
Mom and son
Find out if you are eligible
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.

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.

Find out if you are eligible


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) to learn about Making Home Affordable and to speak with a HUD-approved housing counselor for free. If you are having difficulties working with your mortgage company, ask for “MHA Help”.

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

LATEST NEWS:
11/18: OBAMA ADMINISTRATION RELEASES NOVEMBER HOUSING SCORECARD
10/25: OBAMA ADMINISTRATION RELEASES OCTOBER HOUSING SCORECARD

UPCOMING EVENTS:
Las Vegas in January, venue details to follow
San Jose in February, venue details to follow
Phoenix in March, venue details to follow
› More upcoming homeowner events.

Your Path to a More Affordable Mortgage

Your Path to a More Affordable Mortgage


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