HAMP Loan Modifications

What was HAMP?

The Home Affordable Modification Program, or HAMP, was a federal program for homeowners. HAMP programs and loan modifications assisted borrowers who were struggling to stay current with home ownership expenses and mortgage payments. The U.S. Department of the Treasury and the U.S. Department of Housing & Urban Development managed HAMP under the Making Home Affordable (MHA) program. HAMP and its related programs expired on December 31, 2016. For more information about these programs, visit www.makinghomeaffordable.gov.

IMPORTANT: If you have submitted a complete application for one of these programs on or before December 30, 2016, or if you are in an ongoing MHA program, HAMP’s closing will not affect you. Ditech will continue to support and service your loan modification.

HAMP and other MHA programs are closed for new applications effective December 31, 2016

The MHA program included a number of homeowner assistance programs. These have all ended effective December 31, 2016.

  • HAMP Tier 1 and HAMP Tier 2
  • 2MP (2nd lien Mortgage Program)
  • UP (Unemployment Program)
  • HAFA (Home Affordable Foreclosure Alternative)

You have more options for help

If you are considering a loan modification or other loss mitigation options, start with the Mortgage Assistance page. The “How We Can Help” quiz in the middle of the page can help you determine the type of mortgage assistance or loan modification options that are right for you.

You can also take a secure online survey to start the process. Go to www.ditechsurvey.com to take the first step. For best results, have your ditech account number and other financial information handy. However, you can leave the survey and come back to finish it if necessary.

The sooner you take the first step, the faster we can respond with help.

Other loan modification programs from ditech

Visit ditech’s Loan Modifications page to see other options for modifying your home loan.