Making Home Affordable: The New Government Stimulus Plan
70Help available through the government: stimulus starts
Millions of American home owners that are behind on their mortgage payments or facing foreclosure may now find some relief through the new plan that President Obama has put in place. The Making Home Affordable Program is the new program that's just being rolled out to offer help to struggling homeowners.
What is “Making Home Affordable" all about?
"Making Home Affordable is part of President Obama's comprehensive strategy to get the housing market back on track. Through the Making Home Affordable Program, up to 9 million American families may be eligible to refinance or modify their loans to a payment that is affordable now and into the future" (quoted from the make home affordable website)
Even homeowners that find themselves owing more than what their home is now worth may find relief through the refinancing arm of the plan.
Making Home Affordable Logo
Make Your Home Affordable Again
Through the making home affordable website, there is alot of good information on how to save your home. There is also a very helpful "frequently asked questions" guide. One of the things that is stressed on the making home affordable website is this: if you are behind in mortgage payments or anticipate falling behind because of hardship - it is very important to call a housing counselor right away. There is more help available to those who start planning right now to get counseling and advice on their situation.
Because the making home affordable program is only weeks old, there might be some delay in getting processed but don't let that deter you from seeking help now. Lenders and mortgage servicers are hiring more people to get on board to help the flood of expected homeowners seeking help. At the same time, because it is a new program, there is understandably a learning curve for all involved. You can also call one of the HUD offices and get counseling about the Making Home Affordable Program, and those phone numbers are also listed at the website. There is also an easy questionnaire on the site to find out if your mortgage situation qualifies for the program.
To find out more you can visit the official government website at www.makinghomeaffordable.com and get started in the process.
Good luck and make sure to watch the video there too. There are many homeowners in the same boat together, and seeing other people that are struggling helps you realize you are not alone. Although this can be a very devastating time, there is hope! The Making Home Affordable Program may be able to do just that - by making your home affordable again!
Need urgent help? Contact the Homeowner’s HOPE™ Hotline: (888) 995-HOPE
(This article brought to you by Dorsi Diaz, professional writer and blogger)
Good Video Explaining The Making Home Affordable Program
The Official Government Making Home Affordable Website
- Making Home Affordable - Home
Are You Eligible? Use the self-assessment tools provided on this website to see if you are among the 7 to 9 million homeowners who may be able to benefit from Making Home Affordable.
Making Home Affordable: The New Government Stimulus Plan in the News
- Understanding loan modification and the Making Homes Affordable ProgramCollier Citizen4 days ago
In March, the Department of Treasury announced the Making Homes Affordable initiative. There are two components — the Home Affordable Refinance Program (HARP) and the Home Affordable Modification Program (HAMP).
- Understanding loan modification and the Making Homes Affordable ProgramNaples Daily News4 days ago
A loan modification occurs when the owner of a mortgage agrees to alter one or more of the following elements of the loan: the interest rate, term, and/or principal balance. It is important to understand who is the true “owner” of the mortgage. The institution you make your mortgage payment to is typically a servicing company. They collect payments on behalf of an investor, who has the ultimate ...
- New Program Begins at Appalachian OutreachThe Intelligencer / Wheeling News-Register3 days ago
Appalachian Outreach Inc.has started what Executive Director Rose Hart refers to as "Part B of what we do." The organization has established the "AOI Storehouse" to assist local residents in doing home improvements or remodeling by making it affordable.
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Comments
This is a very useful plan by Obama. There doesn't appear to be a similar plan for the UK, but it would probably help if there was one.
As I recall and read somewhere it only applies to Fannie Mae and Freddie Mac. So if your loan is WAMU, Wells Fargo, Bank of America, Countrywide, Chase, JP Morgan, etc you most liklely are not eligble. Check to confirm that though. We all need help, not just AIG or Detroit automakers. But still a step in the right direction. It's an ocean liner not a speed boat.
I would have to say not to call HOPE. I actually work there. From the day I started I felt so guilty because there is no help. I feel HOPE was set in place for people to leave the banks alone. We are like an escape goat for the banks. I feel sorry for some people because they are loosing their homes through no fault of their own. Others I just want to tell them to get a life. Several times I have tried to schedule people for an appointment and they tell me they can not have that date because they are going on vacation. Now realize that they have not paid their mortgage and are going on vacation with the money.But either way they is no help for anyone. None of the banks are doing the Bush or Obama plan that was set in place. Remember that it is not mandatory for the banks to participate. It is voluntary and none will acknoledge the plan. When mentioned to the bank they all say they will have the information in about two weeks. They have been saying two weeks since last year.I hate my job because I have to give people false hope. I feel very low. But it is about the only job available in town right now and I also have a mortgage to pay.Buy the way, why would you trust someone that is funded by the people your are fighting. HOPE is funded by the mortgage companies.
This is available to FHA loans AND to conventional loans. For conventional loans, they look at your total mortgage payment (including taxes, insurance, etc) and if it exceeds 31% of your monthly pre-tax income, then your bank should allow a modification. Specifically, they will lower your interest rate to as low as 2% for 5 years. After 5 years, the interest rate jumps to what the interest rate was the day you signed for the modification (at this time, Apr 2009 it is around 4.8%).
For those who are self employed, they look at YTD income. I'm sure this is a bit more complitcated, but there is help for anyone who is in over their head and can prove it with documentation.
Good luck.
Making home affordable program is joke. I just received my trail payments from Chase and they were equal to my current mortgage payment. How is that making a home affordable? I called Chase and told them the reason why I was applying for this program was because of a decrease in income and additional childcare expenses. Their response is you have to make the trail payments to determine eligibility. After reading the small print on the documents stating “this is most likely going to be your new modified payment.” So I saved $50 on my monthly mortgage payment putting me at a 40% debt ratio due to my pay decrease at work. What happened to the 31% that was set by president Obama?
THIS PROGRAM DOESN'T WORK, I CAN'T EXPLAIN WHY THE PRESIDENT SAYS THIS PLAN IS WORKING LOOK AT THE STATISTICS, IS ALL ABOUT THEM AND THERE COMPANIES AIG, FREDDIE & FANNIE, THOSE THAT TOOK ON RISKY MORTGAGES ONLY THOSE CAN REFINANCE HOME OWNERS, WELL MR. OBAMA 70% OF HOMEOWNERS DO NOT HAVE THEIR LOANS THROUGH FREDDIE & FANNIE, THAT MEANS WE DON'T GET A BREAK!!! THESE COMPANIES CONTRIBUTED TO YOUR CAMPAIGN THAT IS WHY THEY ARE THE ONLY ONES THAT CAN HELP!!! STOP FOOLING THE PUBLIC, STOP SENDING OUT FALSE HOPE, THE HOPE LINE IS JUST A PERSON THERE TO TELL YOU WHAT YOU ALREADY KNOW, THERE IS NO SOLUTIONS...THE BANKS TELL YOU THEMSELVES IS UP TO THEM TO MODIFY, THEY ARE NOT OBLIGATED TO DO SO...I WENT THROUGH HOPE AND THEY INCREASED MY PAYMENTS, TOOK WHAT I OWED PAST DUE AND APPLIED TO END OF LOAN, NO INTEREST RATE WAS REDUCED, NO HELP WAS GIVEN TO REDUCE MY MONTHLY PAYMENT, EVERYTHING IS A SCAM JUST FOR THE GOVERNMENT TO LOOK O'K AND SAY THEY ARE DOING SOMETHING WITH HOMEOWNERS.
This plan blows. My mortage company HSBC has someone in India calling me. Hope and this Obama plan DOES NOT WORK.
Gosh thanks for everyone that has stopped by to read and comment on the making home affordable program. I am concerned about some of the comments made here about problems with the program. It seems to be limited and I can only hope that the vast majority of people seeking help can get help through Obamas new home program. If not, this program is defeating it's purpose. Please keep commenting on how the making home affordable program is helping you or not helping you. And thanks again for stopping by and reading.
Three people that I have spoken with in Michigan, as well as my husband and I, have not been able to get help. Who is this plan designed for?
I would just walk away from an adjustable loan. The reason is we are either facing huge deflation or an inflationary environment of epic proportions. The manipulation of our currency is just incredible, and under those circumstances, it is impossible to value correctly anything, including houses.
I would walk away and let the banks suffer. They are taking our money, as taxpayers and we need to give ourselves a stimulus. With the alt a and option arms set to hit big in May going through 2011, these are perilous times. Don't stretch to make the payment, imo.
And I would walk away from the banks inprotest as well. The toxic loans were a scam thought up in Basel 2 where off balance shadow banking was allowed. It was a scam and these bankers should all be in jail. But they control the US government so they won't be touched.
What happens to the people who have lost so much value on their home its rediculious.$200,000to70,000. Whos going to help them???????????? SHould they stop paying and have forglosure on their record or rent it out and hope they can buy something else???????
Has anyone heard anything about Wells Fargo not receiveing funding as of Tuesday 14th? That was the response I received from them and to call back.
Don't worry if you can't take advantage of this plan. yeah it sounds good until you do the calculations. take the money from closing costs and buying down points and instead stick it someplace else, mutual fund or mortgage principal. this plan is only good for people that have outrageous interest rates due to an ARM. points are uber expensive when you start getting near the 105% mark. how convenient I have to refi with my current lender and go by the govt appraisal which has me coming in 40% less than what the same govt is taxing me for. of course even if I did appraise at value of the loan or what I am being taxed at this plan would cost me more. It's a big JOKE. More of the same politics. Its a win win for banks, but I have a feeling this one is gonna blow up in our govts face. if you think you are getting a deal talk to a financial planner before refiing.
Making Home Affordable is a joke and he is why: This a letter I have posted to President Obama.
Dear President Obama, I'm writing you today to plea for your help in what is fast becoming a fatal flaw in your program ,“Making Homes Affordable.” As you know, this program and the other , “Hope for Homes”, have been heavily hyped in the media and on politicians web-site as proof of the government's commitment to stem the tide of foreclosures. The Web-site for “Making Homes Affordable” is particularly enticing ---young families, their faces beaming with hope at the prospect of being able to keep their homes and refinance at a lower rate. But once the process of applying begins, hope quickly fades. For the fact is, even if you meet all the requirements for a loan refinance under this program, you will be denied. How can this be? Well, let me tell my own story.My partner and I own a home in Ann Arbor, Michigan. We've lived in Michigan most of our lives, and how this economy has beaten down the people of this state is something to see. Ann Arbor long thought itself resistant to economic downturns, but not this time. Home values in Ann Arbor are down 20-25%. Well, along comes Obama's “Making Home Affordable” program—hurrah! Finally, something for Middle America. We look into the requirements: Fannie Mae owned home. Check. No defaults on payments, no bankruptcy and up to date on mortgage payments. Check. Significant depreciation of home. Check. Difficulty making payments due to hardship. Check again. We even have stellar FICO scores at 800. And how many banks, including those listed on HUD's website as approved lenders were willing to refinance us? NONE! The reason for this, Mr. President, is fairly simple. Despite the the massive bailouts, banks do not want to refinance or modify home mortgage loans. They are now working in concert with private mortgage insurers to see that any homeowner with PMI will not be allowed to refinance. This just happens to include about 75% of the pool of people looking to refinance. In short, the Making Homes Affordable Program is turning out to be essentially worthless for homeowners and as anyone with eyes can read, foreclosures have actually risen in the past month. So, I was told by not one, but ALL the banks in my area, they could not help me because I had PMI. If a family with stellar credit can't get refinanced, then what is the chance that those with credit problems will?Mr. President, these programs carry your name. They will become part of your legacy. Only you can bring to bear on these institutions the kind of pressure required to make them execute tyour programs in the spirit in which they were intended, not the cruel joke they've become (“Hype for Homeowners”, “Making Homes Unaffordable”). Fannie Mae must do something quickly about the PMI problem and the banks should not be allowed to add stipulation, after stipulation to the program that cuts out 85% of qualified homeowners. It seems clear, that Americans are going down the tubes waiting for the banks to do the right thing. Banks remain fully committed to finding loopholes and other imaginative ways to keep from lending while they hoard taxpayers money. Homeowners are not their concern, profit is. And that's where you come in, Sir. You promised Americans help but, so far, Wall Street has been the big beneficiary while foreclosure looms for me and millions more. My only question is this: When are you going to really help us?
I am very very concerned by what I am reading here. I'm not quite sure what to do with this information yet. I do think Pres. Obama needs to know exactly what is happening because I think if he does pressure will be put on the banks. This is not ok, not OK at all.
Like most people who have commented on here, I,too was full of "hope" when I read about Obama's plan on the making home affordable web site. I did the check list and under those guidelines I did qualify for a loan mod. I called my lender (countrywide) and me too have spoke to nothing but people from India! (they are merging with Bank of America...could this be why all the customer service reps are now from India?) After being on the phone with the rep for more than an hour...he finally came back and said "Yes, mam, you do qualify for the program...but there is currently no availability in your area" What does that mean? I asked him and he started talking in circles and told me that I need to understand that this is a GOVERNMENT program and there is very limited availability! I still didnt fully understand what he was trying to explain to me but instead of going round and round with him any more...I just got off the phone. THERE WENT ALL MY "HOPE"!! I agree with the previous posters that this plan gives NOTHING but FALSE HOPE!!!
This plan is a joke. I was laid off in Feb. I have continued to make my mortgage payments in full and on time. I have not been late once. In an attempt to refinance under this plan to continue to be able to cut expenses and ensure I can continue to make my payments, I was told by a loan specialist that I am not qualified. Why? Because I am unemployed. I thought this was the purpose of the program, to help people who have hit financial hardships so they can continue to pay their mortgages??? Just another bill passed that doesn't help the common public. I guess instead of being proactive you have to let your home go into foreclosure before you can get any assistance. Thanks for nothing.
I just signed up for the home affordable loan to refinance our home here in Dallas through Wells Fargo. Everythng went smoothly and in 30 days we will be saving $150 a month on our mortgage payment. We will see if everything works out like the young man says it will. Our interest went down about 1 point.
Cooley, Do you have PMI?
I am not sure if this program was even intended to work or if it was intended to make it look like something was being done to pacify the resistance to the bailout. My husband and I who have never missed a payment and have a stellar credit rating have been denied the ability to refinance through this program. We are with WF so I consulted with a refinance advisor at my local bank to see if we could transfer our loan to him. He essentially told me that even though there are guidelines for this program, the banks can adjust them any way they see fit. Of course this is going to be in their favor and their are no regulations in place to stop them from denying us. It is simply a way for them to avoid losing money.
I am not sure Obama will change anything about this as it seems the banks hold too much power in this country.
Well I am going to call the HOPE line and see if I can get an interview and check this program out. I'd like to refinance my home so I'll see how it goes and let you guys/gals know what happens for me with the making home affordable program. From what I can see here in the comments, it looks like it has helped very few.
The Make Home Affordable plan has merit if you ask me. It seems as if lenders have done well with the incentives given to them by the Obama Administration.
Keep up the great work dorsi i enjoy your posts and they serve a good purpose.
Check out one of my blogs on the subject...
Then figure this one out-- My loan IS owned by freddie mac, but my mortgage co. "Midland Mortgage" says that my mortgage does not qualify for Obamas plan because it is fha insured.?!?! And, something about how my mortgage has been sold since obamas plan but yet you go to freddie mac site, key in my personal info and WHAM- it says that yes freddie mac is the owner of your mortgage.
I am a soon to be a single mother of 3, work full time and go to school full time. I am fighting to keep my home but it does not look good. I was so very happy to hear about the MHA plan via Obama, had a flicker of hope, but no longer. I am tired.
Hello lori
I am sorry to hear that you are having such a hard time.
Have you tried demanding your agreement or rather mortgage contract agreement and proof of ownership? It sounds like something screwy is going on there. Who buys a nonperforming loan as an investment during a terrible economic period centered around the very asset purchased. Hmmm... I call BS on whoever you were talking with. Trust me I have talked to plenty of folks on that end and there is no supervision or incentive or ability for those folks to do anything. They just answer the phone to get you off the phone. Thats there job plain and simple.
Try again lori... you can pull this off! Be a salesperson on that phone line right from the begining. Try and buddy up with the rep, see what sort of relationship you can establish with that rep that has just finished his 28th call 24 of which most likely gave him a hard time and made him feel like dirt. So he is responding to you and past callers as well as his expectations for future callers all collectively wrapped up in his underpaid and degraded attitude and ego, he is cranky and on a power trip.
How many telemarketing calls have you flat out hung up on and yet they all have this persistence and pep.
Incentive drives all, You have a huge incentive so get on it.
Also if you get some weird sounding explanations make sure you probe politely and get all the facts and repeat them back to clarify as if you were a attorney.
"Ok... so Bob... forgive me for being slow this morning I know you folks are busy and god bless you for helping me, I just want to make sure I understand correctly, haha you know get my small brain around all this. My mortgage loan # 15342634 with the property 213 bhhbjh ,hjg uh 242325 was with Freddie until the date wbvw9292 and it was then sold to an investor who purchased it as a nonperforming loan that was in default....is that correct?"
How much was it sold for. When did you send me notice ? who bought it? How do I contact them.
Then do the same but in writing, both certified mail and fax.
Make sure you call several times!
More info can be found at site below, take a look.
http://www.hopenhousing.org/make_home_affordable.h
The more at stake the more hassle.
I'm confused!!! I called my lender to apply for the Home Affordable Refinance program. I met all the qualifications.......current on mortgage, never been late, owed less than 105% of value, etc. However, I was flat out denied! When I asked why, the rep couldn't give me an answer......just said I was denied. So who the heck is the program for?!?
I went to my mortgage lender in January 2009 before I got into trouble. Since then I have spoken to at least fifty people form Hope for home owners to congress and senators. What the heck is going on? I was told I was approved for this modification and a week later I am only pre qualified. If it has to be this hard there is something that is just not right. The lender said it would take four to six weeks to modify my mortgage it has been nine and counting.
This program is a joke. Been waiting over 2 months for Chase, I call every week and my status is always "We recevied your information but it hasn't been assigned to anyone". Meanwhile the interest rates keep going up. Chase just keeps giving me the run around.
Wife lost her career. Had a 24wk preemie with serious health issues. Lost our car, have no savings left. But in spite of that, we stayed current and never missed a single payment, desperately trying to keep our home despite the horrible 20yr / 7.125% loan... would Wells Fargo help us? We qualify in every way for this Making Home Affordable program- a Mannie Mae loan, owe less than 105% of value, lived here two years...
Nope.
According to them, we don't qualify because we have mortgage insurance. We haven't paid them enough yet, I guess. Now we're forced to walk away from our home next month. No other options left. Thanks a ton, Obama. HOPE no one makes the mistake of voting for you next time.
This plan is an utter joke!!! My adjustable rate is spinning out of control but I'm finding ways to make the payment. For my good faith efforts I'm ineligible under this great plan.. No one is getting the refi's they need and it's more of the same o same o bureaucracy. Someone remind me again why I voted for Obama? He's done nothing but spend on corporate america for their mismanagement well the little people he made promises too continue to suffer.
I also got my hopes us when I read about the Making Homes Affordable program. According to the govt website, I qualified for the Refinance Program. Freddie Mac owns the loan, etc, but everytime I called Wells Fargo, they said I didn't qualify and could not give reasons why I did not qualify. I've been calling for months, since the program was first announced, at first it was we don't have all the program details yet, but now it is just - you don't qualify. One person at Wells Fargo did say it was because I had PMI - the other 20 times I've called, no explanation. I then tried to refinance through FHA loan, only to get a sucky appraiser who appraised my house at the same amount a house like mine sold for 3 weeks before, but that house did not have the $20k in upgrades that we had. I was so irritated. So now the appraisal is less than we owe (even though we had $10k down pmt)and interest rates continue to rise. I called the HOPE for homeowners program and went through the consouling and she said I probably would not qualify because I only had a small deficit in my budget and I was affording my mortgage. I am affording my mortgage because I am not going on vacation and spending money. I am on a very strict budget and watch every dollar to afford my mortgage. I just want a lower interest rate and I have a 800 credit score. THe govt website makes it seem so promising - only to be denied in the end. What are they looking for - to be able to qualify?????????????
Hope is a joke. They do absoutely nothing. Been waiting for a loan mod since 08. Chase has lost my documentatins or they say they never receive it going on now 6 times faxed and also sent hard copies fed ex. Did the last payment on MHA first of aug, now I was told today I have to start all over and fax all docs again. Of course never received or now they are expired I am drained. Enough. The banks have the power and money and the govt is in there pocket. I wish we could of got one of those VIP loans! MHA sounds good but all the restrictions and guidelines they find something to deny a loan they like all that money in there pockets.
You need to use a REAL company that specializes in Loan Mods in order to get one. You can't just go directly to your bank. But thanks for the info.
There are some people that have been helped by the Make Home Affordable program and some that have not been able to get any help. Since writing this article I have seen varied responses but will share my recent personal experience with calling the HOPE HELPLINE - I found them to be very helpful, thorough and I had NO problem getting through. Within a day I had received a workout sheet from the Make Home Affordable program outlining my budget and a workout sheet for my lender (it was sent directly to my email from them). Now it was still up to me to contact my mortgage lender because he is a private lender, but after showing him the workout sheet he agreed to modify my mortgage till next March, when I will probably refinance my loan at that time. This temporary modification is saving me over $300 a month, which is really helping me out right now since I just recently started a new day job position. So to all who read this I would still try calling the Making Home Affordable Programs Hope hot line, and maybe they can help you!
And BTW, I live in California. I don't know if it matters what state you live in, but I had no problem getting through to them and getting good advice.
I waited six months to get flat out denied. I met all qualifications. Business has suffered severly, no child support. Just wanted a little help with the high interest rate because I didn't want to lose our house. I don't understand this. And these people want to run our health care??
Its a scam!!!!funded by the banks. If you have equity in your home they will make sure you loose it. When trying to modify your mortgage the bank asks for the amount the home is insured for. This info should irrelevant, except for the fact that if you owe $75k and your house is worth $150k the bank can foreclose on it and make a fast buck. I was late on my house payment by 2 months. I filled out all the paper work for the modification and faxed it. Two days later I received a letter demanding the money with a threat of forecloser. Then they left messages on the answering machine saying that they were in the final process of my modification and needed more info. When I called, they directed my call to debt collections where they demanded payment. This was Washington Mutual. The Making Homes Affordable plan is a complete LIE!!!!!!!!!!
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This Great article and vital information; thanks sharing it with us.