Home Affordable Refinance

Are you eligible?

Answer these 4 questions to find out if you are eligible:

1. Are you the owner of a single-family home, or the owner of a unit in a two- to four-unit multi-family home?
2. Do you have a loan owned or guaranteed by Fannie Mae or Freddie Mac? (if you’re not sure, we can help you find the answer)
3. Are you current on your mortgage payments (not more than 30 days late on any of your payments in the last 12 months)?
4. Do you believe the amount you owe on your first mortgage is about the same or less than the current value of your house?

If you have answered yes to all four of these questions, you may be eligible for this program. Please call 1.800.720.3758, 8am-11pm EST Monday-Friday, 8am-7pm EST Saturday, 9am-8pm EST Sunday to speak with a Specialist, or fill out the Contact Us form and we will call you within 3-5 business days about refinancing your mortgage.

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:

• Your loan number
• The monthly pre-tax income of each borrower on the loan
• Description of your financial hardship
• If you don't already have an escrow account, we'll also need:
  • The amount of your last property tax bill
  • The amount of your homeowners insurance bill