Am I eligible for a Home Affordable Modification?
     Answer these  questions:

The registration proccess is so easy! Just complete the registration below and an email confirmation along with an account activation link will be sent to you.

First Name:                                                               Last Name:

Email:                                                                        Phone:

By clicking on “SUBMIT” below, your answers will be analyzed, and you will be directed to Next Steps for the Home Affordable Modification or to other options for additional help.

This site can help you determine if you are eligible, but only the servicer of your loan can tell you if you qualify. To qualify, you will generally need to show that you have adequate income to make the reduced payments on an ongoing basis and that modification is an appropriate option given the characteristics of your mortgage and the value of your home.

Weigh Your Options

  • Financial Statement
  • Review Important Ratios
  • Create Campaign
  • PRINT Bank Ready Packages
  • Upload Documents
  • Stay Organized
  • Negotiate 101

Payment Reduction

  This Payment Reduction Estimator
  will determine what  your current
  mortgage debt-to-income is and
  how much your monthly payment
  may be reduced if you qualify.

  > Calculate Potential Savings  

"Think of RateModification software as your survival guide to escaping foreclosure. In order to succeed, you must take action!" - Eric Katz
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#1) Is your home your primary residence?

#2) Is the amount you owe on your first mortgage equal to or less than $729,750?

#3) Are you having trouble paying your mortgage? For example, have you had a significant increase in your mortgage payment OR reduction in your income since you got your current loan OR have you suffered a hardship that has increased your expenses (like medical bills)?

#4) Did you get your current mortgage before January 1, 2009?

#5) Is your payment on your first mortgage (including principal, interest, taxes, insurance and homeowner's association dues, if applicable) more than 31% of your current gross income? Note: if you are uncertain, click here to determine

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