Home Affordable Unemployment Program (UP)

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

In 2009, the federal government unveiled the Making Home Affordable program to help homeowners stay in their houses and avoid foreclosure. One of the components of the Making Home Affordable initiative was the Home Affordable Unemployment Program (UP). This program reduced or suspended monthly mortgage payments for a year or longer. However, the Making Home Affordable initiative, including UP, ended on January 1, 2017.

While UP ended as of 2017, other programs—like the Fannie Mae and Freddie Mac Flex Modification Program, as well as proprietary (in-house) modifications and other loss mitigation options—now exist to help struggling homeowners avoid foreclosure.

Also, one program under the Making Home Affordable initiative that's still available is the Home Affordable Refinance Program—or "HARP"—which remains in effect until December 31, 2018. HARP is the mortgage refinance option under the MHA initiative. With HARP, you might be able to:

  • get a lower interest rate on your mortgage loan
  • get a shorter loan term, and/or
  • change from an adjustable to fixed-rate mortgage.

(To learn more about HARP, see The Home Affordable Refinance Program.)

If you’re struggling with your mortgage payments and facing a possible foreclosure, contact your mortgage company or a HUD-approved housing counselor at 888-995-HOPE (4673) as soon as possible. (Learn more about what HUD-approved housing counselors do.)

If you want to learn about how foreclosure works in your state and find out about possible foreclosure defenses in your case, consider talking to a local foreclosure attorney.

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