Making Home Affordable Program

Do Not Lose Your Home To Foreclosure



If you are a homeowner in financial trouble and facing the prospect of losing your home, there are several options available for you. 

If you need urgent help, immediately contact the Homeowner’s HOPE™ Hotline: (888) 995-HOPE. Homeowner's HOPE™ is a counseling service provided by the Homeownership Preservation Foundation that can work with you to help prevent a foreclosure. It is an independent nonprofit organization that provides HUD-approved counselors dedicated to helping homeowners. The help they offer is free.

With the global economy in recession, there are many homeowners that are in financial trouble. But there is hope. Through the United States Government’s Making Home Affordable Program funds are available for up to 9 million homeowners to refinance or modify their loans to a payment that may be more affordable. There are two elements to this government program - Home Affordable Refinance Program and Home Affordable Modifications Program. 

Through the Home Affordable Refinance Program, Fannie Mae and Freddie Mac will allow the refinancing of mortgage loans that they own or that they placed in mortgage backed securities. 

Home Affordable Modifications program offers help to borrowers who are struggling to keep their loans current or who are already behind on their mortgage payments even if the loan is not owned or securitized by Fannie Mae or Freddie Mac.

Please click on the links below to browse information regarding these programs.

Home Affordable Refinance Program

Home Affordable Modifications Program

List of Topics for the Programs


Foreclosure rescue scams – beware, beware


Keep the following helpful tips in mind:

1.       There should never be a fee for assistance with or information about any aspects of the Making Home Affordable Program. It is a US government program and the government is not charging any fees for this program.

2.       Beware of any person or organization that asks you to pay an upfront fee in exchange for a counseling service or modification of a delinquent loan. Do not pay – walk away!

3.       Beware of anyone who says they can “save” your home if you sign or transfer over the deed to your house. Do not sign over the deed to your property to any organization or individual unless you are working directly with your mortgage company to forgive your debt.

4.       Never make your mortgage payments to anyone other than your mortgage company without their approval.


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