Home Stabilization Plan
Homeowner Affordability and Stability Plan
Resources for Loan Modification

New Housing Bill
Home Stabilization Plan


Home Affordable Modification Program Guidelines

March 4, 2009

Trial loan modifications consistent with these Guidelines may be offered to homeowners beginning on this date, March 4, 2009, and may be considered for acceptance into the Home Affordable Modification Program upon completion of the trial period and other conditions. These Guidelines, however, do not constitute a contract offer binding on the Department of the Treasury.
Program Elements Described in the Guidelines

Monthly Payment Reduction Cost Share:
Treasury will partner with financial institutions to reduce homeowners’ monthly mortgage payments. The lender will have to first reduce payments on mortgages to no greater than 38% Front-End Debt-to-Income (DTI) ratio. Treasury will match further reductions in monthly payments dollar-for-dollar with the lender/investor, down to a 31% Front-End DTI ratio for the borrower.

Servicer Incentive Payments and Pay for Success Fees:
Servicers will receive an up-front Servicer Incentive Payment of $1,000 for each eligible modification meeting guidelines established under this initiative. Servicers will also receive Pay for Success payments –as long as the borrower stays in the program – of up to $1,000 each year for up to three years.

Similar incentives will be paid for Hope for Homeowner refinances.
Borrower Pay-for-Performance Success Payments:
Borrowers are eligible to receive a Pay-for-Performance Success Payment that goes straight towards reducing the principal balance on the mortgage loan as long as the borrower is current on his or her monthly payments. Borrowers can receive up to $1,000 of Pay-for-Performance Success Payments each year for up to five years.
Current Borrower One-Time Bonus Incentive:
One-time bonus incentive payments of $1,500 to lender/investors and $500 to servicers will be provided for modifications made while a borrower is still current on mortgage payments. The servicer will be required to maintain records and documentation evidencing that the Trial Period payment arrangements were agreed to while the borrower was less than 30 days delinquent. The servicer must comply with any express pooling and servicing contractual restrictions for modifying current loans.


Program Payment Conditions
No payments under the program to the lender/investor, servicer, or borrower will be made unless and until the servicer has entered into the program agreements with Treasury’s financial agent. Servicers must enter into the program agreements with Treasury's financial agent no later than December 31, 2009.

Eligibility Requirements

Pooling and Servicing Agreements:
The program guidelines reflect usual and customary industry standards for mortgage loan modifications contained in typical servicing agreements, including pooling and servicing agreements (PSAs) governing private label securitizations. Participating servicers are required to consider all eligible loans under the program guidelines unless prohibited by the rules of the applicable PSA and/or other investor servicing agreements. Participating servicers are required to use reasonable efforts to remove any prohibitions and obtain waivers or approvals from all necessary parties.
Origination Date of Loan Subject to Modification:
The mortgage to be modified must have been originated on or before January 1, 2009.

Program Expiration:
New borrowers will be accepted until December 31, 2012. Program payments will be made for up to five years after the date of entry into a Home Affordable Modification. Monitoring will continue through the life of the program.






read more here: http://www.treas.gov/press/releases/reports/modification_program_guidelines.pdf
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Consumer notice: The information and resources presented on this Web site are not to be taken as legal advice. Legal advice must be tailored to the specific circumstances of each case. Every effort has been made to assure that this information is up-to-date as of the date of publication. It is not intended to be a full and exhaustive explanation of the law in any area. This information is not intended as legal advice and may not be used as legal advice. It should not be used to replace the advice of your own legal counsel.


This website provides a free service to homeowners looking for loan modification help under government programs and is not a government website.
Free service for home loan modification is limited to information about home loan modification and free online analysis for home loan modification. Free online analysis for home mortgage loan modification to determine how much you could save.  Free information and service to qualify for loan modifications under the help for homeowners plan will help you learn about the loan modification programs available today. We are a fee based service but pre qualifying for loan modification is free.  It is a free loan modification analysis which can determine if  you can benefit with our loan modification service. Free loan modification services are available, read about Free loan modification services and programs here.  Guaranteed results with our loan modification service. When it comes to negotiating home mortgage rates for loan modifications we're experienced professionals . Due to the high volume of applications for home loan modification lenders are so busy that it can be almost impossible for a homeowner to get results on their own. Using a fee based service such as ours gives a tremendous benefit to homeowners seeking loan modifications. Many lenders have specialized representatives for loan modification companies such as ours.Enjoy lower monthly mortgage payments and lower home mortgage interest rate with loan modification.  Since we work with lenders on a regular basis, we are able to negotiate home mortgage loans to your best advantage. This means you have an increased chance to succeed with reducing home mortgage interest rate and payment by using our loan modification service.  Explore the possibilities of loan modification and see what the home loan modification program could do for you. Submit our online form for free analysis. It's just a few questions and only takes a minute. Be sure to provide correct information in your contact details and a representative will follow up on your mortgage loan modification analysis results.  When you have the results you can decide if it's worth it to you to proceed.  Experience tells us that you'll be happily surprised with the results from using our service for your loan modification. With the lower interest rate programs available  you can't wait another day. We do not give legal advice, contact an attorney if you  need legal assistance.




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Prior to the Obama Mortgage Plan, lending guidelines made it nearly impossible for struggling borrowers to access lower interest rates through refinancing and home mortgage loan modification was unheard of. The Obama Mortgage Plan has changed lender guidelines and provided incentives for lenders to refinance loans at low or no cost to borrowers. Homeowners  are encouraged to take advantage of the special refinance programs and home mortgage loan modification programs or other home loan modification plans offered under the  Obama Mortgage Plan.
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Home stabilization with loan modification information about Mortgage Help for Homeowners Under the  Obama  Mortgage Loan Modification Plan.   Learn About the Home Stabilization Plan for Home MortgagesResources about the new housing bill, home stabilization and information about the mortgage loan modification programs. Information about  how loan modification programs work. Find out how to qualify for loan modification. 
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