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Making Home Affordable Program

Help is available to homeowners behind in their mortgage or in danger of foreclosure.

On March 4, 2009, the Obama Administration announced their plan to help homeowners affected by the economic downturn and housing slump. Called the Making Home Affordable program†, it is expected to help over 9 million homeowners like you who are at risk of losing their homes because of reduced home values and equity, delinquencies and financial hardships.

With the Making Home Affordable program, you can get help by either refinancing or modifying your mortgage.

  • Refinancing is for homeowners who are current with their mortgages, but are having difficulty refinancing to a lower-rate mortgage due to declining property values and equity. To qualify, your mortgage has to be held by Freddie Mac or Fannie Mae.
  • Modifying is for homeowners who are delinquent in their mortgage, currently in the foreclosure process, or are current on their payments but have recently experienced a significant hardship, like a job loss or medical emergency.
To get help and support, take action. With a reputable lender and a HUD-approved housing counselor†, you can re-build your future today.

It's as easy as 1, 2, 3.

Step 1: Take an online test to find out if you qualify for a refinance† or modification†. If you're interested in refinancing, complete a request form to find out if your mortgage is held by Freddie Mac† or Fannie Mae†.

Step 2: Document your income† (98K PDF) and work out your budget (21K PDF). Having this information on hand will make it very easy for you to work with your servicer to find the best solution for you.

Step 3: Call the organization that services your mortgage. Even if you applied at TD Bank, your mortgage may be serviced by another organization. Your servicer's name and phone number are printed on your monthly mortgage coupon or statement.

If your mortgage is serviced by TD Bank and you need help, please call 800-328-2119 today.

Attention Homeowners: Beware of any person or organization that asks you to pay a fee in exchange for counseling services or loan modification. There is never a fee for information or assistance from the Making Home Affordable program. Help is FREE!

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