Opening Doors For Homeowners Like You

Making Home Affordable was introduced with the goal of helping homeowners who were struggling with hardships.

Potential Hardships 

Mortgage Payment Increase, Loss of a Job/Relocation, Business Loss, Property Damage, Death of a Spouse/Family Member, Sever Illness, Inheritance, Separation/Divorce, Military Service, Insurance or Tax Problem, Reduced Income, Too much Debt, Incarceration.   

                                                                                                                                                                                                                                                                                                 The Number one priority of the Making Home Affordable Program has been the distressed borrower

Programs Are Available

HARP & FHA Refinance Programs were created with the focus on allowing underwater borrowers to refinance their existing loan reducing the interest rate and therefore their mortgage payment to a more affordable amount. HARP program has been extended to December 31, 2013

HAMP & 2MP Loan Modification. Modify first loan under the Home Affordable Modification Program (HAMP) & borrower's Second lien under the Second Lien Modificaction Program (2MP) with a new interest rate and payment on both first and second liens when eligible and ultimately keep the borrower in the home.

HAFA "Home Affordable Foreclosure Prevention" is meant to give the borrower some control over his or her housing transaction. Additionally as long as the borrower performs in accordance with the terms of the HAFA Short Sale Agreement (SSA), the servicer will not complete a foreclosure sale.

Benefits of HAFA Relocation Support Seller can receive a $3,000.00 relocation benefit at the close of escrow. Debt Forgiveness first lien debt is forgiven. Additionally, if the subordinate lien holder agrees to accept the offer made by the senior lien holder, the subordinate lien holder must also forgive the debt and future liability for the borrower. "A Fresh Start" borrowers may buy again by re-establishing a credit history as soon as two years after short sale.