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Home Affordable Modification Program
If you are not unemployed, but you’re still struggling to make your mortgage payments, you may be eligible for the Home Affordable Modification Program(HAMP®). HAMP may lower your monthly mortgage payments in order to make them more affordable
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Keep your American Dream
As of June 1, 2012, the Obama Administration expanded the
population of homeowners that may be eligible for the Home Affordable Modification Program to include:
- Homeowners who are applying for a modification on a home that is not their primary residence, but the property is currently rented or the homeowner who intends to rent it.
- Homeowners who previously did not qualify for HAMP because their debt-to-income ratio was 31% or lower.
- Homeowners who previously received a HAMP trial period plan, but defaulted in their trial payments.
- Homeowners who previously received a HAMP permanent modification, but defaulted in their payments, therefore losing good standing.
- Florida Hardest-Hit Fund (HHF)
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The federal government has allocated funding to help pay the mortgages of qualified homeowners who are unemployed or
underemployed through no fault of their own. Reduction in household income due to death, divorce or disability of a borrower or co-borrower, or any other household member DOES NOT qualify as a financial hardship under this program.
The program is availalble in all 67 counties in the State.
Homeowners who qualify for assistance may receive up to twelve (12) months of monthly mortgage payments (including escrowed mortgage-related payments) with up-front mortgage reinstatement funds, or funds to pay past due mortgage
payments to bring a delinquent first mortgage current; these funds are paid directly to the loan servicer/lender.
If you are a homeowner who falls into any of these criteria, you
may be eligible for a modification under the expanded criteria
Who We Are
We believe in the “American dream” of owning your own home and will fight for you to achieve that dream.
By employing “The Mortgage & Business consulting co.” you will have tax preparation, business consultation and senior web support available to you.
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