Mortgage Relief: Your Options

The Making Home Affordable Program  (MHA) ® is a critical part of the Obama Administration’s broad strategy to help homeowners avoid foreclosure, stabilize the country’s housing market, and improve the nation’s economy.

MHA options include:


Get Started

Real help is available, right now – and the sooner you seek help, the more options you’ll have. You’ll need to gather certain documents, fill out forms you can download from this website,then contact an MHA ® housing expert or your mortgage company to begin the application process. We’ll be here to provide critical information and answer all your questions all the way through. You’ll find that the investment of time and effort to complete the process is one of the best investments you’ve ever made.

What to Expect ›

Learn what to expect from your mortgage company, your housing expert and MakingHomeAffordable.gov.

What You Will Need ›

To apply for mortgage relief through MHA ®, you will need to gather documentation on your loan, your finances and your circumstances as soon as you possibly can.

Finding the Right Program ›

Your answers to a few questions will determine your next steps in gaining mortgage relief through Making Home Affordable ®.

Speak with an MHA Housing Expert ›

Let a housing expert help you understand your options, design a plan to suit your individual situation, prepare your application and communicate with your servicer. There is no cost to you for this valuable, around-the-clock service. Help is available in more than 160 languages.

Contact Your Mortgage Company ›

Find out if your mortgage company is one of the over one hundred mortgage companies that participate in the Making Home Affordable Program ®.

Request a Modification ›

Learn the documents you will need to provide and the steps you will need to take to apply for a Home Affordable loan modification.