Making Home Affordable (MHA)

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Making Home Affordable (MHA) is government strategy to help homeowners avoid foreclosure, improve the nation’s economy and stabilize the country’s housing market. Whatever life event that has put you at a disadvantage; divorce, job loss, medical expenses, etc. MHA can help you.

Options include lowering your monthly payment and options to get you out of your mortgage without foreclosing. There are also options if you are unemployed or are upside down in your current mortgage.

Click Here to Explore Making Home Affordable (MHA) programs and find the right one for you.

Lower Monthly Payments

Lower your mortgage payments with an MHA ® loan modification.

Lower Interest Rates

Take advantage of today’s historically low mortgage interest rates through MHA ® refinance programs that help you get into more affordable and more stable fixed-rate mortgages.

If You Are Unemployed

Get the financial relief you need, even if you are unemployed.

If You Have a Second Mortgage

Learn about an MHA ® program designed for those with a home equity loan, HELOC, or other second lien that makes it difficult to keep up with mortgage payments.

If Your Home’s Value Has Fallen

Find out what to do if the value of your home has fallen below what you owe on it, through an MHA ® program that specifically address this issue.

Leave Your Home & Avoid Foreclosure

If homeownership is no longer affordable or desirable, you may be able to transition out of your home and avoid foreclosure through an MHA ® program that also provides $3,000 in relocation assistance.

Military Resources

Under recently announced changes to HAMP, military homeowners and other families who are permanently displaced by a job-related move may still qualify as owner-occupants, which means you may still be eligible for a mortgage modification.

View All Programs

Take a quick look at all of the MHA ® programs and see which one might be right for you