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 FHA Home Affordable Modification Program (FHA-HAMP)

FHA, VA and USDA all offer mortgage modification programs for struggling homeowners designed to lower monthly mortgage payment to no more than 31 percent of the homeowner's verified monthly gross (pre-tax) income — making monthly mortgage payments much more affordable. If you have a loan that is insured or guaranteed by the Federal Housing Administration (FHA), you may be eligible for a program offered through that government agency. For information on FHA and participating servicers, call FHA's National Servicing Center at (877) 622-8525.

 
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If you have additional questions about getting mortgage help, contact one of our housing experts at 888-995-HOPE (4673). These HUD-approved housing counselors will help you understand your options, design a plan to suit your individual situation, and prepare your application. Research shows that homeowners who work with housing experts like these are more successful and have better long-term outcomes. There is no cost to you for this valuable, around-the-clock service. Help is available in more than 160 languages.

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Key Terms on This Page:

Mortgage ModificationA process where the terms of a mortgage are modified outside the original terms of the contract agreed to by the lender and borrower. For example: Changes in the interest rate, length of the loan or balance (how much you owe) on the loan., Verified Monthly Gross (pre-tax) IncomeThe amount of money earned or received each month before taxes and any payroll deductions are taken out, as confirmed by your paystubs and other income documentation.
Last Updated: 12/23/2011 10:30 AM

Help is a Phone Call Away

888-995-HOPE (4673)
Hearing impaired: 877-304-9709 TTY

As you enter a process that can sometimes be overwhelming, it would be in your best interest to engage a housing expert to help you along the way. Let a HUD-approved housing counselor help you understand your options, prepare your application, and work with your mortgage company.

Homeowner's HOPE™ Hotline

Hear it from Homeowners

Curtis and Darlene, Chicago IL

Curtis and Darlene of Chicago, IL

Curtis and Darlene had lived in their home for 35 years when Curtis lost his job. That’s when MHA helped them cut their mortgage payments in half.

See their story (PSA)

Beware of Scams

 

Unfortunately, and far too often, homeowners looking for mortgage help end up victimized by scam artists. Know the warning signs to protect yourself, your money, and your home.

Learn where to file a complaint

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