Are You Eligible for the Making Home Affordable Program?
To find out if you may be eligible for mortgage relief under the Making Home Affordable Program, please answer the questions below. This free educational site is designed to help you make a preliminary determination whether you meet certain criteria established by the Program. It is not the actual eligibility decision, which can only be made by the servicer of your loan. We will use the answers you provide to inform you about loan refinancing or loan modification, or perhaps offer you a free debt counseling session. If you agree, we will ask you for your contact information and whether you would like us to send your information to a credit counseling agency. We will not disclose any of your information unless you confirm on the next page that you would like us to do so.
If you are not sure how to answer a question, clicking the next to a question will give you more help.
All questions are required.
A home is vacant if no one is currently living there
Serious state of disrepair
A serious state of disrepair is a problem that threatens the home. Examples include:
- Structural problems with the roof or foundation
- Crumbling walls
- Collapsing posts or supports
Current market value
The current market value is how much you could sell the home for today.
The close date is when you signed the papers for your mortgage.
The balance is the total amount you still owe on your mortgage.
Monthly mortgage payment percentage of income
Your monthly mortgage payment ideally would be less than 31% of your monthly gross income.
Gross household income
The gross household income is what everyone in your household makes combined before taxes are taken out. This is not the take home pay.
Primary Mortgage Servicer
The primary mortgage servicer is the institution you send your monthly payment. You can see this on your mortgage bills or coupons. If you have more than one institution that you make mortgage payments to, then you should select the one who holds the first lien position on your mortgage. This is most likely the one who gets the larger of your monthly mortgage payments.
If you have a home equity loan, home equity line of credit or a secondary mortgage on your home, please answer "Yes" to this question.