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Home Affordable Loan Modification

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If you're having trouble paying your mortgage, can no longer afford to make your monthly loan payments or have already missed a payment, you may be able to receive a more affordable mortgage payment under the Home Affordable Modification Program.

There are no fees and no minimum credit score requirements with this program.

Are you eligible?

Answer these 5 questions to find out if you are eligible:

  1. Is your home your primary residence?
  2. Is the amount you owe on your first mortgage for a 1-unit property equal to or less than $729,750?
  3. Are you having trouble paying your mortgage?
  4. Did you get your current mortgage before Jan. 1, 2009?
  5. Is your payment on your first mortgage (including principal, interest, taxes, flood and hazard insurance and homeowners association dues, if applicable) more than 31% of your current gross income?

If you answered “yes” to all the above questions you may be eligible for this program. Please call 1.800.846.2222 and speak with a Home Retention Specialist dedicated to this program, or fill out the Contact Me form and a Specialist will contact you within 3-5 business days.

If you have already received a letter from one of our specialists to discuss this program, there is no need to wait. Please call us at the number listed on your letter.

Before you call

Having a few important documents ready before you reach out to a home loan specialist will help us in finding the correct option for you.

Please make sure to have the following information with you when you call:

The 4-step loan modification process

Step 1

Call us Today
Don’t forget to have your documents ready for easy reference.

Step 2

Qualify for 3-month trial modification
We will review your info, tell you if you qualify for the trial period, and give you the amount of your NEW trial mortgage payment.

Step 3

Complete the 3-month trial modification
Make your new mortgage payments for 3 months and send us the necessary forms and financial documents so we can verify your eligibility for a permanent loan modification.

Step 4

Get approved for your permanent loan modification
If you qualify, you will receive the documents needed to finalize your permanent loan modification.

1This calculation is for informational purposes only, is based upon unverified information you provided at our website and should not be construed to mean that you qualify for a Home Affordable Modification Program loan modification. We are required to consider other factors in assessing whether you qualify for the Home Affordable Modification Program.