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Modify Overview

Many homeowners have fallen behind on their mortgage, and could soon be on the path to foreclosure without permanent help. If this sounds like your situation, you may be eligible to modify your mortgage. Loan modifications are designed to help borrowers make their payments more affordable.

 

Modification

Many homeowners have fallen behind on their mortgage, and could soon be on the path to foreclosure without permanent help. More »

Flex Modification

Struggling to pay your mortgage? The Flex Modification, which replaces the Home Affordable Modification Program (HAMP), helps homeowners, like you, with much needed payment relief. More »

Disaster Relief Modifications

Has your home or place of employment been affected by a disaster? Are you struggling to pay your mortgage because of the impact on your income or expenses? More »

Modification Quiz

If you’re having mortgage payment challenges, try our modification quiz to see if a mortgage loan modification may be right for you. More »

Changes to Modification Interest Rate & Payment

If you have a loan modification with a step rate feature, the initial modified interest rate is temporary (usually fixed for 5 years). After the initial period, the rate will begin to adjust, or “step up.” More »

Post Modification Financial Coaching

Even with a loan modification, you may still have some financial challenges. Take advantage of tools like financial coaching to help with your financial success. More »