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Forum: Making Home Affordable

In March 2009, the Obama Administration published detailed program guidelines for the Making Home Affordable (MHA) Program. Many mortgage servicers have begun loan modifications under the plan. But it looks like many homeowners may not be getting the help the they were promised and some are simply getting rail roaded. This forum is designed to discuss these issues with the MHA ands share with others your experience. This forum provides general guidelines and overview documents available to homeowners as well as an open discussion area to ask other homeowners about the loan modification process.

  1. Sticky Thread Sticky: Hamp Tier 2

    Started by Cat Damiano, 06-11-2012 07:58 AM
    • Replies: 45
    • Views: 11,492
    01-17-2013, 03:14 PM Go to last post
  2. Sticky Thread Sticky: NPV Calculator Making Home Affordable

    Started by Cat Damiano, 05-24-2011 02:11 PM
    • Replies: 8
    • Views: 14,739
    03-13-2012, 06:49 PM Go to last post
  3. Sticky Thread Sticky: Making Home Affordable Hardship Affidavit

    Started by Maurice Bedard, 09-08-2009 02:49 PM
    • Replies: 4
    • Views: 20,651
    07-22-2011, 10:50 AM Go to last post
  4. Sticky Thread Sticky: Net Present Value

    Started by Maurice Bedard, 09-08-2009 03:52 PM
    • Replies: 47
    • Views: 12,190
    07-13-2011, 03:22 PM Go to last post
  5. Sticky Thread Sticky: Lenders Participating in Making Home Affordable

    Started by Maurice Bedard, 09-08-2009 03:00 PM
    • Replies: 59
    • Views: 30,027
    05-03-2011, 10:55 AM Go to last post
  6. Sticky Thread Sticky: MHA Frequently Asked Questions

    Started by Maurice Bedard, 09-08-2009 04:32 PM
    • Replies: 33
    • Views: 12,992
    03-14-2011, 10:52 PM Go to last post
  7. Sticky Thread Sticky: Those Who Have Made a 4TH Trial Pmt.

    Started by grullagirl, 08-29-2009 08:35 AM
    • Replies: 107
    • Views: 14,820
    12-27-2010, 02:24 PM Go to last post
  8. Sticky Thread Sticky: Income Verification Information

    Started by Maurice Bedard, 09-08-2009 04:16 PM
    • Replies: 21
    • Views: 8,649
    12-10-2010, 04:25 AM Go to last post
    • Replies: 102
    • Views: 19,976
    07-27-2010, 03:20 PM Go to last post
  9. Sticky Thread Sticky: Must foreclosure be suspended during the Trial Period?

    Started by Maurice Bedard, 09-08-2009 04:22 PM
    • Replies: 17
    • Views: 10,168
    05-23-2010, 03:11 PM Go to last post
  10. Sticky Thread Sticky: Why must the borrower submit an IRS Form 4506-T?

    Started by Maurice Bedard, 09-08-2009 03:59 PM
    • Replies: 1
    • Views: 12,816
    01-10-2010, 07:44 AM Go to last post
    • Replies: 3
    • Views: 11,419
    09-17-2009, 08:38 AM Go to last post
    • Replies: 2
    • Views: 915
    11-18-2010, 12:37 PM Go to last post
    • Replies: 1
    • Views: 716
    11-15-2010, 05:22 PM Go to last post
    • Replies: 0
    • Views: 578
    11-11-2010, 08:32 PM Go to last post
  1. Made 14 trial payments and got a denail HAMP

    Started by Please, 11-05-2010 12:08 PM
    • Replies: 19
    • Views: 1,559
    11-11-2010, 12:52 PM Go to last post
  2. MN Class Action Suit RE: HAMP

    Started by grullagirl, 10-10-2009 10:14 PM
    • Replies: 48
    • Views: 4,357
    11-09-2010, 10:04 AM Go to last post
    • Replies: 5
    • Views: 1,925
    11-07-2010, 03:06 PM Go to last post
  3. Chace Mortgage won't cut to the chase

    Started by Dogbyte, 11-05-2010 09:29 PM
    • Replies: 0
    • Views: 793
    11-05-2010, 09:29 PM Go to last post
  4. Frustrated and Desperate. BOA MHA Mod denied

    Started by rdh9616, 02-25-2010 06:07 PM
    • Replies: 12
    • Views: 1,862
    11-05-2010, 03:01 PM Go to last post
  5. made 8 trial payments and got a denial ltr :-(

    Started by scared44, 11-03-2010 08:23 AM
    • Replies: 3
    • Views: 953
    11-05-2010, 02:58 PM Go to last post
    • Replies: 3
    • Views: 1,078
    11-05-2010, 02:55 PM Go to last post
  6. HARP/HAMP vs In House Mod

    Started by hamlinresident, 11-05-2010 05:06 AM
    • Replies: 3
    • Views: 2,268
    11-05-2010, 09:11 AM Go to last post
  7. HAFA Approved Short Sale - The Buyer's Side

    Started by va12345, 11-03-2010 05:56 PM
    • Replies: 1
    • Views: 3,781
    11-04-2010, 09:53 AM Go to last post
    • Replies: 4
    • Views: 1,712
    11-03-2010, 06:50 PM Go to last post
  8. Smile HAMPED After Nine Month Battle

    Started by Maurice Bedard, 09-16-2010 09:59 AM
    • Replies: 10
    • Views: 1,304
    10-29-2010, 06:54 PM Go to last post
  9. Did I screw up?

    Started by happydad23, 09-29-2010 11:25 AM
    • Replies: 5
    • Views: 1,121
    10-27-2010, 01:21 PM Go to last post
  10. Question Question about the NPV Test

    Started by paul98, 02-07-2010 04:51 PM
    • Replies: 11
    • Views: 1,396
    10-27-2010, 12:36 AM Go to last post
    • Replies: 1
    • Views: 1,103
    10-26-2010, 01:48 PM Go to last post
    • Replies: 79
    • Views: 13,950
    10-25-2010, 04:54 AM Go to last post
  11. Second Lien Modification Program (2MP)

    Started by Whittier, 02-18-2010 10:34 PM
    • Replies: 5
    • Views: 3,071
    10-25-2010, 01:56 AM Go to last post
  12. PNC/Nat City HAMP Questions

    Started by MariettaMan, 05-18-2010 05:42 AM
    • Replies: 14
    • Views: 2,171
    10-24-2010, 07:41 AM Go to last post
  13. suntrust making home affordable

    Started by hammerhead, 01-16-2010 07:09 AM
    • Replies: 11
    • Views: 1,977
    10-23-2010, 06:31 AM Go to last post
    • Replies: 3
    • Views: 1,570
    10-21-2010, 03:06 AM Go to last post
    • Replies: 2
    • Views: 3,006
    10-18-2010, 04:40 PM Go to last post
  14. Aurora Loan - Traditional Loan Mod v. HAMP

    Started by MedicKam, 08-30-2010 09:17 PM
    • Replies: 13
    • Views: 1,883
    10-18-2010, 02:09 PM Go to last post
    • Replies: 1
    • Views: 647
    10-14-2010, 08:40 PM Go to last post
  15. Bend oregon forum

    Started by RonaldXoX25, 10-14-2010 05:39 AM
    • Replies: 1
    • Views: 761
    10-14-2010, 08:46 AM Go to last post
    • Replies: 32
    • Views: 4,212
    10-14-2010, 02:29 AM Go to last post
  16. Poll Poll: Patience of Job is wearing thin

    Started by inthatplace, 10-13-2010 10:41 AM
    • Replies: 0
    • Views: 570
    10-13-2010, 10:41 AM Go to last post
  17. QWR RESPA and Negative NVP Questions

    Started by Hopeful In Hawaii, 09-23-2010 01:20 PM
    • Replies: 13
    • Views: 1,280
    10-12-2010, 12:49 PM Go to last post
  18. Cautiously optimistic

    Started by nx13688, 10-11-2010 11:48 AM
    • Replies: 2
    • Views: 692
    10-11-2010, 02:06 PM Go to last post
  19. Disapproved by B of A

    Started by dansipin, 10-05-2010 10:00 AM
    b of a loan modification
    • Replies: 4
    • Views: 1,070
    10-11-2010, 01:58 AM Go to last post
    • Replies: 14
    • Views: 5,026
    10-10-2010, 02:50 PM Go to last post
  20. Lightbulb Do loans ever get modded to less than 31 pecent?

    Started by BrokeInGA, 10-06-2010 07:47 PM
    • Replies: 5
    • Views: 990
    10-08-2010, 09:24 AM Go to last post
  21. Impact of increased income on HAMP?

    Started by nx13688, 10-06-2010 02:38 PM
    • Replies: 5
    • Views: 1,145
    10-07-2010, 11:00 AM Go to last post
    • Replies: 8
    • Views: 2,164
    10-07-2010, 05:44 AM Go to last post
  22. PERMANENT Loan Mod? Anyone? Please post!

    Started by DBarr13447, 09-13-2010 05:22 PM
    • Replies: 5
    • Views: 1,023
    10-05-2010, 11:51 PM Go to last post
  23. considering FHA-HAMP, loan with BofA

    Started by adken1321, 10-04-2010 01:14 PM
    • Replies: 4
    • Views: 1,146
    10-04-2010, 07:42 PM Go to last post
    • Replies: 0
    • Views: 1,217
    10-01-2010, 06:38 PM Go to last post
  24. HAMP denial after per. mod papers sent

    Started by leonam, 09-30-2010 06:22 AM
    • Replies: 4
    • Views: 1,020
    10-01-2010, 02:04 PM Go to last post
    • Replies: 7
    • Views: 1,149
    09-30-2010, 11:33 AM Go to last post
  25. Question Waterfall Calculation for HAMPS

    Started by CelestinaU, 10-19-2009 10:06 AM
    • Replies: 15
    • Views: 6,731
    09-28-2010, 11:20 PM Go to last post
    • Replies: 10
    • Views: 1,480
    09-28-2010, 11:04 PM Go to last post
  26. Special Comment Code CN

    Started by Rosesazaleas, 09-24-2010 10:57 AM
    • Replies: 8
    • Views: 1,967
    09-28-2010, 09:44 AM Go to last post
    • Replies: 1
    • Views: 1,337
    09-27-2010, 09:58 AM Go to last post
    • Replies: 28
    • Views: 2,063
    09-26-2010, 05:52 PM Go to last post
    • Replies: 0
    • Views: 1,288
    09-26-2010, 09:16 AM Go to last post
  27. Post Short Refinance Option not working

    Started by BWhite3649, 09-26-2010 09:07 AM
    chase, refinance, underwater
    • Replies: 0
    • Views: 721
    09-26-2010, 09:07 AM Go to last post
    • Replies: 5
    • Views: 3,587
    09-25-2010, 08:11 AM Go to last post
    • Replies: 4
    • Views: 978
    09-23-2010, 11:56 AM Go to last post
  28. Quality Control

    Started by Mea97, 09-22-2010 11:00 PM
    • Replies: 1
    • Views: 1,039
    09-23-2010, 06:38 AM Go to last post
  29. Exclamation Contacting MHA Compliance

    Started by ama125, 09-23-2009 07:29 PM
    • Replies: 53
    • Views: 7,391
    09-22-2010, 10:58 AM Go to last post
  30. So confused. help please NACA and MHA

    Started by latrina, 09-21-2010 04:24 PM
    naca and chase mha
    • Replies: 1
    • Views: 701
    09-21-2010, 06:49 PM Go to last post
    • Replies: 6
    • Views: 931
    09-21-2010, 12:21 AM Go to last post
  31. HAMP Guideline Question with no answer?

    Started by keecho, 08-05-2010 12:10 AM
    • Replies: 3
    • Views: 1,215
    09-20-2010, 10:31 AM Go to last post
    • Replies: 2
    • Views: 955
    09-20-2010, 07:14 AM Go to last post
  32. "Excessive Forbearance"

    Started by dspanta, 09-06-2010 07:57 AM
    • Replies: 45
    • Views: 9,480
    09-19-2010, 08:28 AM Go to last post
    • Replies: 1
    • Views: 1,661
    09-17-2010, 04:18 PM Go to last post
  33. ******, please review- loan paperwork received

    Started by dspanta, 09-14-2010 07:39 AM
    • Replies: 8
    • Views: 892
    09-15-2010, 12:03 PM Go to last post
  34. Question Loan modification for a 2nd mortgage (HELOC)

    Started by dspanta, 09-14-2010 12:43 PM
    • Replies: 4
    • Views: 851
    09-14-2010, 04:54 PM Go to last post
  35. Need some advice

    Started by messy40, 09-12-2010 12:22 PM
    • Replies: 10
    • Views: 755
    09-14-2010, 11:38 AM Go to last post
  36. How do banks apply trial and forbearance payments?

    Started by dspanta, 09-10-2010 04:27 PM
    • Replies: 4
    • Views: 1,152
    09-14-2010, 10:14 AM Go to last post
  37. Pros and cons of loan modifications with balloons

    Started by dspanta, 09-10-2010 04:30 PM
    • Replies: 6
    • Views: 1,643
    09-14-2010, 10:10 AM Go to last post
  38. Nationstar HAMP Application...

    Started by cola1016, 09-13-2010 10:49 AM
    • Replies: 0
    • Views: 1,152
    09-13-2010, 10:49 AM Go to last post
    • Replies: 3
    • Views: 725
    09-11-2010, 10:09 AM Go to last post
    • Replies: 3
    • Views: 1,486
    09-10-2010, 07:56 AM Go to last post
  39. Want to rent out house now

    Started by brokemama, 09-09-2010 05:33 PM
    • Replies: 2
    • Views: 958
    09-10-2010, 01:49 AM Go to last post
  40. What is a jumbo loan?

    Started by inthegarden, 05-14-2010 06:04 AM
    • Replies: 2
    • Views: 713
    09-07-2010, 01:47 PM Go to last post
  41. Extending the term of the loan

    Started by dspanta, 09-05-2010 01:20 PM
    • Replies: 6
    • Views: 970
    09-07-2010, 04:15 AM Go to last post
  42. Interest-only loan modifications

    Started by dspanta, 09-03-2010 02:17 PM
    • Replies: 4
    • Views: 1,325
    09-06-2010, 07:45 AM Go to last post
    • Replies: 5
    • Views: 2,360
    09-04-2010, 02:30 PM Go to last post
    • Replies: 16
    • Views: 1,340
    09-04-2010, 11:43 AM Go to last post
  43. Question HAMP with Nationstar Mortgage- please HELP!!!

    Started by dspanta, 09-01-2010 07:02 AM
    • Replies: 13
    • Views: 3,277
    09-04-2010, 05:18 AM Go to last post
    • Replies: 11
    • Views: 2,415
    09-04-2010, 01:18 AM Go to last post
    • Replies: 0
    • Views: 779
    09-03-2010, 05:44 PM Go to last post
  44. After HARP, can I get a mod down the road?

    Started by illinimike, 08-24-2010 08:12 AM
    • Replies: 3
    • Views: 1,260
    09-01-2010, 08:03 PM Go to last post
  45. about to send in HAMP docs and reconsidering

    Started by Kme070208, 08-27-2010 07:37 AM
    • Replies: 4
    • Views: 822
    08-28-2010, 11:12 AM Go to last post
    • Replies: 2
    • Views: 2,224
    08-28-2010, 09:36 AM Go to last post
    • Replies: 4
    • Views: 975
    08-28-2010, 09:33 AM Go to last post
  46. retire early thanks to free houses

    Started by bbozy, 08-27-2010 12:22 PM
    • Replies: 2
    • Views: 705
    08-27-2010, 01:56 PM Go to last post
    • Replies: 6
    • Views: 1,133
    08-27-2010, 07:51 AM Go to last post
  47. bank come after retirement, stocks accounts?

    Started by 12jerod, 08-23-2010 10:48 AM
    • Replies: 10
    • Views: 854
    08-26-2010, 06:22 PM Go to last post
  48. Need HAMP Compliance Physical Address

    Started by Mr. Lahey, 08-10-2010 09:53 AM
    • Replies: 1
    • Views: 1,097
    08-25-2010, 03:43 PM Go to last post
  49. BofA Making Home Affordable ...

    Started by Forsaken, 08-14-2010 08:06 AM
    • Replies: 3
    • Views: 1,120
    08-19-2010, 07:03 AM Go to last post
  50. How do I begin?

    Started by angelonmyshoulder, 08-13-2010 11:58 PM
    • Replies: 14
    • Views: 939
    08-18-2010, 06:53 AM Go to last post
  51. Loan Sold while in Trial Modification Payments

    Started by jfmiller, 08-16-2010 05:00 PM
    • Replies: 1
    • Views: 828
    08-16-2010, 06:42 PM Go to last post
  52. WF advised loan mod sent to FHA for approval?

    Started by chester58, 08-14-2010 12:40 AM
    • Replies: 0
    • Views: 578
    08-14-2010, 12:40 AM Go to last post
  53. Angry Wells Fargo nightmare

    Started by cebudragonlady, 07-01-2010 10:07 AM
    • Replies: 5
    • Views: 994
    08-11-2010, 07:23 AM Go to last post
  54. The assault has begun!

    Started by burtonrider11, 05-18-2010 09:04 AM
    • Replies: 21
    • Views: 1,817
    08-07-2010, 01:57 PM Go to last post
  55. Unhappy Mortgage being sold??? what now!

    Started by Hopeful23, 05-23-2010 05:03 PM
    • Replies: 11
    • Views: 2,156
    08-06-2010, 11:55 PM Go to last post
  56. IBM HAMP help

    Started by Hopeful23, 05-24-2010 08:45 AM
    • Replies: 3
    • Views: 2,342
    08-06-2010, 05:50 PM Go to last post
    • Replies: 2
    • Views: 1,014
    08-02-2010, 10:19 PM Go to last post
    • Replies: 2
    • Views: 900
    08-02-2010, 09:31 AM Go to last post
  57. PHH HAMP Trial Payments Complete - Now What ?

    Started by EastCoaster, 07-08-2010 06:11 AM
    • Replies: 8
    • Views: 1,582
    08-02-2010, 07:46 AM Go to last post
  58. Question Denied HAMP by Onewest/ Offered ALT Mod?!!

    Started by parrothead2009, 05-17-2010 07:30 PM
    alt mod, hamp, imb, indymac, onewest
    • Replies: 7
    • Views: 1,534
    08-01-2010, 11:53 PM Go to last post
    • Replies: 6
    • Views: 694
    08-01-2010, 09:13 AM Go to last post
  59. GMAC and HAMP?

    Started by wishing star, 07-31-2010 07:36 AM
    • Replies: 1
    • Views: 837
    07-31-2010, 08:10 AM Go to last post
  60. Mha servicer compliance ??

    Started by mrbuilder, 05-10-2010 12:57 PM
    • Replies: 51
    • Views: 2,997
    07-29-2010, 06:18 AM Go to last post
    • Replies: 7
    • Views: 1,231
    07-28-2010, 08:56 AM Go to last post
    • Replies: 1
    • Views: 4,301
    07-27-2010, 08:58 PM Go to last post
  61. Starting a Loan Modification with GMAC

    Started by airsense00, 06-11-2010 08:37 PM
    • Replies: 10
    • Views: 1,945
    07-27-2010, 11:15 AM Go to last post

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