Making Home Affordable

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

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HAMP and 2MP

The Home Affordable Modification Program (HAMP) is designed to help at risk homeowners – both those whose mortgage payment is in default and those whose mortgage payment is in imminent 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 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