The Home Affordable Modification Program (HAMP)

Many people avoided foreclosure with the federal government's Home Affordable Modification Program (HAMP).

Does HAMP—or Another Modification Program—Apply to Rental or Investment Property?

If you have a rental or investment property, you might qualify for a mortgage modification, though not under HAMP anymore.

What's the Difference Between HAMP and HAFA?

HAMP was a modification program, while the HAFA program allowed struggling homeowners to gracefully give up their home—but both programs are no longer available. Learn what programs remain.

If I Default Under HAMP, Can I Reapply?

The HAMP program is no longer accepting applications so if you default, you can’t reapply.

Second Lien Modification Program (2MP)

The expired Second Lien Modification Program (2MP) was part of the government’s Making Home Affordable initiative.

Principal Reduction Alternative (PRA)

The Principal Reduction Alternative (PRA) program ended on December 31, 2016. Learn what foreclosure avoidance options are still available.

Home Affordable Unemployment Program (UP)

The now-expired Home Affordable Unemployment Program (UP) reduced or suspended monthly mortgage payments for a year or longer.

Emergency Homeowners' Loan Program (EHLP)

The Dodd-Frank Wall Street Reform and Consumer Protection Act provided $1 billion to the U.S Department of Housing and Urban Development (HUD) to set up the Emergency Homeowners' Loan Program (EHLP

What Is the Difference Between HAMP Tier 1 and HAMP Tier 2?

The Home Affordable Modification Program—including HAMP Tier 1 and Tier 2—helped eligible borrowers modify their home loans to make the payments more affordable. But the HAMP program has ended. Learn what options are generally available to homeowners now facing a foreclosure.