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Mortgage and Borrower Eligibility Requirements

The following mortgages are eligible for a modification under the Home Affordable Modification program (HAMP):

  • First-lien mortgages owned, guaranteed, or securitized by Freddie Mac that are single-family 1- to 4- unit primary residences, including condos, cooperatives, Single-Family Seller/Servicer Guide (Guide) – eligible manufactured homes, and our negotiated conforming jumbo mortgages.
  • FHA, VA, and RHS guaranteed mortgages are eligible, subject to the relevant agency guidelines.
  • Mortgages for properties that are abandoned, vacant, or condemned are not eligible.
  • Mortgages may be previously modified, but can only be modified once under HAMP.

Borrowers may be eligible for this program if they meet the following requirements:

  • Borrowers may be considered for a HAMP Trial Period if they are current or less than 60 days delinquent and determined to be in imminent default, or 60 days or more delinquent.
  • A borrower must have an affirmation of financial hardship.
  • Borrowers who may be in foreclosure, in pending litigation involving the mortgage, or who are in active bankruptcy.
  • Borrowers currently performing under another workout arrangement will be considered for a Home Affordable Modification if they request it.
  • Borrowers must currently have a monthly housing expense-to-income ratio greater than 31 percent of their verified gross monthly income.

Other mortgage and borrower eligibility requirements apply as noted in our Guide Chapter 9205.

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