Are You Eligible?

The government programs currently available to homeowners can be valuable resources, but only if you know which ones are right for your situation.

That’s why I’ve created this free resource that lets you find out which programs you’re eligible for. Read the descriptions for each program to see which one fits your situation, then fill out the corresponding survey to see if you are eligible.

Find out now if you are eligible!

The good news is that programs exist for a variety of situations, and even more options are available beyond those programs. As a CDPE-designated agent, I can provide all of your possibilities and help you get moving toward a solution.

Home Affordable Foreclosure Alternatives Program (HAFA)

HAFA is the government’s newest tool to help homeowners avoid foreclosure. HAFA provides incentives for lenders and homeowners to carry out a short sale or deed-in-lieu of foreclosure. The current incentive for homeowners is $3,000 for a successfully completed short sale or deed-in-lieu of foreclosure.

Home Affordable Modification Program (HAMP)

HAMP is for homeowners who are struggling with mortgage payments and think that a lowered interest rate could bring their payments to an affordable level. These loan modifications are ideal for homeowners whose mortgage payments are just out of reach.

Second Lien Modification Program (2MP)

2MP is for homeowners who are struggling with payments in part because of a second lien on their home. For those who are eligible, the program offers a way to lower payments on their second mortgage. 2MP is a complementary program to the Home Affordable Modification Program (HAMP), so it is meant for those who have already modified their first mortgage through HAMP.

Home Affordable Refinance Program (HARP)

If you are unable to lower the interest rate on your mortgage (possibly due to decreased home value), but you are caught up on your mortgage payments, HARP may allow you to refinance.

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