Often the people on the front lines for the banks inaccurately address your situation under the MHA guidelines. Click here to escalate your case to get answers and results.

Clients often inquire if they should get a modification or file for bankruptcy. The answer is to do both. Click here to read a great article that will answer many of your questions in what is often a very scary time.

This reference guide outlines the requirements and guidelines for the Makhing Home Affordable (MHA) Program for non-GSE mortgagees.

To get your copy of the guide, click here.

The 8 chapters are:
Chapter I -- contains standard information affecting all MHA programs
Chapter II -- contains specific program information on the Home Affordable Modification Program (HAMP)
Chapter III -- contains specific program information on the Home Affordable Unemployment Program (UP)
Chapter IV -- contains specific program information on the Home Affordable Foreclosure Alternatives Program (HAFA)
Chapter V -- contains specific program information on the Second Lien Modification Program (2MP)
Chapter VI -- contains specific program information on government loans
Chapter VII -- contains specific program information on the Treasury/FHA Second Lien Program (FHA2LP)
Chapter VIII -- contains specific program information on interactions with HFA Hardest Hit Fund Programs