HAFA

If you can’t afford your mortgage payment and it’s time for you to transition to more affordable housing, the Home Affordable Foreclosure Alternatives(HAFA) program is designed for you. HAFA provides two options for transitioning out of your mortgage: a short sale or a Deed-in-Lieu (DIL) of foreclosure. In a short sale, the mortgage company lets you sell your house for an amount that falls “short” of the amount you still owe. In a DIL, the mortgage company lets you give the title back, transferring ownership back to them. Click HERE for more HAFA info.

HARP

If you’re not behind on your mortgage payments but have been unable to get traditional refinancing because the value of your home has declined, you may be eligible to refinance through MHA’s Home Affordable Refinance Program (HARP). HARP is designed to help you get a new, more affordable, more stable mortgage. HARP refinance loans require a loan application and underwriting process, and refinance fees will apply. Click HERE for more HARP info.

HAMP

If you’re not unemployed, but you’re still struggling to make your mortgage payments, you may be eligible for theHome Affordable Modification Program (HAMP). HAMP can lower your monthly mortgage payment to 31 percent of your verified monthly gross (pre-tax) income, which usually provides savings of hundreds of dollars per month. Click HERE for more HAMP info.

UP

If you are unemployeed, the Home Affordablility Unemployment Propgram (UP) could help you get back on track with your mortgage payments. Click HERE for more UP info.

FHA Short Refinance

For homeowners that are current on their mortgage payments, but their home is upside-down, an FHA Short Refinance could help.  Click HERE for more FHA Short Refinance info.

HHF

HHFSM programs in 18 states and the District of Columbia are designed to provide assistance to struggling homeowners through modification, mortgage payment assistance, and transition assistance programs. Click HERE for more HHF info

 

 

 

 

 

 

 

 

 

 

 

 

 

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