Home Affordable Modification Program
On March 4, 2009, the U.S. Department of the Treasury (Treasury) announced details of the Home Affordable Modification program (HAMP) as part of the Making Home Affordable Program. HAMP is a loan modification program designed to reduce delinquent and at-risk borrowers' monthly mortgage payments.
HAMP is effective for mortgages originated on or prior to January 1, 2009, and will expire on December 31, 2012.
Servicing Alignment Initiative
Freddie Mac issued Single-Family Seller/Servicer Guide (Guide) Bulletin 2011-11, which announced a comprehensive set of changes to our default management requirements that reflect the work recently completed under the joint-GSE Servicing Alignment Initiative. In Guide Bulletin 2011-16, we announced updates to our documentation, borrower contact, and foreclosure referral and sale requirements. We also modified our Servicer incentives for completed HAMP modifications in Guide Bulletin 2011-19. It is important for Servicers to review the requirements in these Guide Bulletins to gain a full understanding of the impacts to HAMP.
Program Details
- Mortgage and Borrower Eligibility
- Borrower Solicitation
- Underwriting Requirements
- HAMP Tools Overview
- Reporting and Incentives
Servicing Resources
To access these secure resources, you must use your Servicing Technology Tools ID and password. If you do not have one, you can request one using the Servicing Technology Tools Sign Up Form.
Login to Access Secured Resources 
- Reporting Spreadsheets
- Automated Valuation Model (AVM) Collateral Values
- Technology Specifications and Users' Guides
Training & Education
Additional Resources
- Home Affordable Modification Program Fact Sheet – Updated October 2011
- Servicing Alignment Initiative Web page
- Freddie Mac’s Home Affordable Foreclosure Alternatives Web page
- Freddie Mac’s Avoiding Foreclosure Resource Center
- Consumer information about the federal Making Home Affordable Program
- Treasury Net Present Value (NPV) Model. A user ID and password are required to use the Model, which Servicers can obtain by completing and submitting the HAMP online Registration Form.
- U.S. Department of Labor Unemployment Benefit Estimation Tool
Are you a Homeowner?
If you believe you qualify for this program, please contact the company to whom you make your mortgage payments. Delinquent borrowers eligible for assistance will be contacted by their mortgage Servicer. Read more about how to avoid foreclosure.
Loan Modification Processing Tips
Don't let communication, clerical or data errors delay or prevent successful submissions. Ensure Your HAMP Modifications Are Error Free for Prompt Processing.