Making Home Affordable

The Making Home Affordable Program includes Fannie Mae Home Affordable Refinance options and the Home Affordable Modification Program.

Tell Us Why You're Here

HAMP and Second Lien Modification Program

The Home Affordable Modification Program (HAMP) is designed to help at risk homeowners – both those who are in default and those who are at imminent risk of default – by providing the borrower with affordable and sustainable monthly payments.

The Second Lien Modification Program (2MP) is designed to work with HAMP to help eligible borrowers by lowering payments on both first lien and second lien mortgage loans.

HAMP and 2MP Resources

HAMP Forms

Form Title
Home Affordable Modification Agreement (Form 3157): PDF Single Family - Fannie Mae Uniform Instrument
Home Affordable Modification Agreement (Form 3157): Word Single Family - Fannie Mae Uniform Instrument
Home Affordable Modification Agreement -- Spanish Version (Form 3157): PDF Fannie Mae/Freddie Mac Uniform Instrument