Help for Homeowners

Homeowner Affordability and Stability Plan

Making Home Affordable (MHA) refinance and loan modification programs announced on March 4, 2009.
You may qualify for a LOAN MODIFICATION if:

• You own and occupy your home as your primary residence.
• You are either current, at risk of imminent default, or behind in your mortgage payments, or are in foreclosure or bankruptcy.
• The unpaid principal balance of the first mortgage on your primary residence is $729,750 or less (loan limits are higher on owner-occupied multi-unit properties).
• You have verifiable source(s) of income to put towards a mortgage payment each month, even if that income has recently been reduced.
• You can provide copies of your most recent tax returns and will sign an affidavit of financial hardship.
• You have not previously modified your mortgage under the MHA program.
• Note: Mortgages on second homes, vacant homes and investment properties are not eligible for modification under this program.

If you meet the guidelines above, call 1-800-445-6973 to talk to a customer service representative about modifying your mortgage loan.

You may qualify for a MORTGAGE REFINANCE if:

• You have a Fannie Mae or Freddie Mac mortgage loan on your primary residence, second home or investment property. Please call us at the number below if you need help determining the type of mortgage loan you have.
• You owe no more on your 1st mortgage than 105% of your home's current value. (Example: you owe $105,000 on a home with a current market value of $100,000.)
• You are current on your existing mortgage.
• You are interested in a new fixed or adjustable loan at current low rates.
• Note: Refinancing fees may apply.

If you meet all of the guidelines above, call 1-800-445-6973 to talk to a loan agent about refinancing your mortgage.