The Home Affordable Modification Program (HAMP) is for homeowners who are struggling with mortgage payments and think that a lowered interest rate could bring their payments to an affordable level. These loan modifications are ideal for homeowners whose mortgage payments are just out of reach.

Are you eligible? Take this short survey to find out:

*Information in this survey sourced from Supplemental Directive 09-01, which is available at: https://www.hmpadmin.com/portal/docs/hamp_servicer/sd0901.pdf.

How to Recognize a Mortgage Scam

You might be a victim of a scam if:

• You are told you will get a federal incentive to walk away from your mortgage
• You are asked to pay upfront for counseling
• You are pressured to sign papers immediately
• You are asked to sign your house over to a company or person who is not working with your mortgage company
• You are asked to make a mortgage payment to someone other than your mortgage company without their approval
• You are guaranteed a successful short sale or mortgage modification
• They claim to be a representative of the federal government

If you believe that you are a victim of a scam, you should contact the Federal Trade Commission (FTC) at 1-877-FTC-HELP (1-877-382-4357) or visit their Complaint Assistant https://www.ftccomplaintassistant.gov.