The Home Affordable Modification Program (HAMP) expired on 12/31/2016.

While the HAMP program was discontinued in 2016, it served as the blueprint for most banks’ proprietary loan modification programs. Without the enforceable guidelines of HAMP, it has become increasingly important for homeowners to be represented by an attorney in the absence of the program’s safeguards.

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The Home Affordable Refinance Program (HARP)

The Making Home Affordable ProgramsThe Making Home Affordable Refinance Program is a refinance programs for homeowners with Freddie Mac and Fannie Mae insured loans. The program is designed to allow homeowners to take advantage of current interest rates by allowing financing up to 125% of the current market value. The borrower must have been current for the past twelve months and the new loan amount cannot exceed the original loan amount. No “cash out” is available through the program. The Federal Housing Authority (FHA) also offers a “streamline” refinance program. These types of transactions are handled only by licensed mortgage originators. For more information, please visit

To learn more about these FREE government programs, please visit

Statistics for these programs are available at

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