Make Home Affordable

Am I eligible for a Home Affordable Modification?

If you can no longer afford to make your monthly loan payments, you may qualify for a loan modification to make your monthly mortgage payment more affordable. Millions of borrowers who are current, but having difficulty making their payments and borrowers who have already missed one or more payments may be eligible.

Answer these questions:

Is your home your primary residence?

Yes No

Is the amount you owe on your first mortgage equal to or less than $ 729,750?

Yes No

Are you having trouble paying your mortgage?

Yes No

For example, have you had

a significant increase in your mortgage payment?
a reduction in your income since you got your current loan?
suffered a hardship that has increased your expenses (like medical bills)?

Did you get your current mortgage before January 1, 2009?

Yes No

Is your payment on your first mortgage (including principal, interest, taxes, insurance and homeowner's association dues, if applicable) more than 31% of your current gross income?

Yes No

Note: if you are uncertain,

Make Home Affordable

Am I eligible for a Home Affordable Modification?

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