The Making Home Affordable program is a part of the initiative by the US Department of Treasury and Urban Development to help stabilize the economy. The program offers different options to help people remain in their homes when they have suffered setbacks such as illness, job loss, unemployment or are otherwise facing foreclosure. The Home Affordable Modification program allows you to modify your mortgage payments to reduce your immediate cost. If you are facing foreclosure, they have a specialized program to help avoid the process.

You cannot make your request for a Home Affordable Modification online; however you can download all of the forms you need, checklists for additional documentation and locate the Mortgage Servicer who will handle your application. It is a good idea to look around the entire site and read their FAQs and watch the instructional videos offered to help with understanding the information needed on the forms. You will also need to provide income documentation. There are instructions and checklists to tell you what you need for proof of income available on the site as well. This is not a fast process, but a process that can help you stay in your home. Below is a guide on how to request a Home Affordable Modification.

What You Will Need to Request a Home Affordable Modification:

  • A Computer, laptop, tablet or smartphone
  • Internet access
  • Printer
  • Pen, stamps and envelope

Steps to Request a Home Affordable Modification:

  1. Copy and paste the following URL into your browser or if your system allows, click the link we have provided here: www.makinghomeaffordable.gov
  2. Click on the tab “Get Started”
  3. Download, print and fill out the “Request for Mortgage Assistance” form
  4. Download, print and fill out the “Tax Authorization” form
  5. Click on “Verification of Income,” review the list and gather the documentation.
  6. Click on “Contact Your Mortgage Servicer” to locate the correct mailing address and fax number for where to submit your documents.