--- title: Foreclosure and Loan Modification Blog | HAMP (2) description: HAMP | Dedicated foreclosure defense law firm helping foreclosure victims stay in their home, and obtain loan modifications. (2) --- [![Foreclosure and Loan Modification Lawyers](https://blog.amerihopealliance.com/hs-fs/images/forclosure-attorneys.png?width=360&height=117&name=forclosure-attorneys.png "Foreclosure and Loan Modification Lawyers")](https://www.amerihopealliance.com/) - Practice Areas - [Foreclosure Defense](https://amerihopealliance.com/foreclosure-defense) - [Claim Surplus Funds](https://amerihopealliance.com/surplus-funds) - [Loan Modification](https://amerihopealliance.com/loan-modification) - [Tax Resolution & Tax Preparation](https://amerihopealliance.com/en/amerihope-alliance-tax-resolution) - [Bankruptcy](https://amerihopealliance.com/en/bankruptcy) - [Probate](https://amerihopealliance.com/en/probate) - [About Us](https://amerihopealliance.com/about_us) - [Case Results](https://legal.amerihopealliance.com/case-results) - [Client Login](https://amerihopealliance.com/client_login) - [FAQ](https://amerihopealliance.com/frequently-asked-questions) - [Contact Us](https://amerihopealliance.com/contact_us) - [Blog](https://blog.amerihopealliance.com/blog) - [Foreclosure and Loan Modification Blog](https://blog.amerihopealliance.com/blog) - [Personal Injury Blog](https://blog.amerihopealliance.com/personal-injury) - [Referrals](https://amerihopealliance.com/surplus-case-referral) ph: (877) 882-5338 # Foreclosure and Loan Modification Blog - [Blog](https://blog.amerihopealliance.com/blog) - Foreclosure and Loan Modification Blog ## [HAFA Could Help You Get You $10,000 and Avoid Foreclosure](https://blog.amerihopealliance.com/blog/hafa-could-get-you-10000-and-avoid-foreclosure) [![](https://blog.amerihopealliance.com/hubfs/Rescue-299901-edited.jpg)](https://blog.amerihopealliance.com/blog/hafa-could-get-you-10000-and-avoid-foreclosure) **If you need help with your mortgage, there are government programs out there that may help you**. But when it's all new to you, the programs can sound like an alphabet soup of acronyms that confuse and frustrate. For example, you may be able to use **HARP or MHAs HAMP, but your RMA is likely to be denied if you DIY**. All those letters leave me SMH (shaking my head), but before you LOL, get the 411 on one more. **HAFA, the Home Affordable Foreclosure Alternatives program, is meant to help borrowers who are not able to keep their home with a HAMP (Home Affordable Modification Program) or other modification.** Mortgage loan modifications are a great option for borrowers who have the income to afford their home with a reduced payment. \[fa icon="clock-o"\] Monday, February 29, 2016 \[fa icon="user"\] [Maxwell Swinney](https://blog.amerihopealliance.com/blog/author/maxwell-swinney) \[fa icon="folder-open'\] [HAMP](https://blog.amerihopealliance.com/blog/topic/hamp), [hamp loan modification](https://blog.amerihopealliance.com/blog/topic/hamp-loan-modification), [foreclosure](https://blog.amerihopealliance.com/blog/topic/foreclosure), [refinance](https://blog.amerihopealliance.com/blog/topic/refinance), [HAFA](https://blog.amerihopealliance.com/blog/topic/hafa) [Read More »](https://blog.amerihopealliance.com/blog/hafa-could-get-you-10000-and-avoid-foreclosure) ## [What is a Request for Mortgage Assistance (RMA)?](https://blog.amerihopealliance.com/blog/what-is-a-request-for-mortgage-assistance-rma) [![](https://blog.amerihopealliance.com/hubfs/RMA-094706-edited.jpg)](https://blog.amerihopealliance.com/blog/what-is-a-request-for-mortgage-assistance-rma) If you need help with your mortgage, you're not alone. **Millions of Americans have experienced hardships caused by factors beyond their control** that made their mortgage payment unaffordable. If that's happened to you, **there is assistance available that can help you keep your home and avoid foreclosure.** But to get that assistance, you'll need to complete a Request for Mortgage Assistance. \[fa icon="clock-o"\] Friday, February 26, 2016 \[fa icon="user"\] [Maxwell Swinney](https://blog.amerihopealliance.com/blog/author/maxwell-swinney) \[fa icon="folder-open'\] [loan modification lawyer](https://blog.amerihopealliance.com/blog/topic/loan-modification-lawyer), [loan modification](https://blog.amerihopealliance.com/blog/topic/loan-modification), [HAMP](https://blog.amerihopealliance.com/blog/topic/hamp), [hamp loan modification](https://blog.amerihopealliance.com/blog/topic/hamp-loan-modification), [loan modification help](https://blog.amerihopealliance.com/blog/topic/loan-modification-help) [Read More »](https://blog.amerihopealliance.com/blog/what-is-a-request-for-mortgage-assistance-rma) ## [Goldman Sachs To Pay $5.1 Billion To Settle Mortgage Scandal Claims](https://blog.amerihopealliance.com/blog/goldman-sachs-to-pay-5.1-billion-to-settle-mortgage-scandal-claims) [![](https://blog.amerihopealliance.com/hubfs/Goldman.jpeg)](https://blog.amerihopealliance.com/blog/goldman-sachs-to-pay-5.1-billion-to-settle-mortgage-scandal-claims) Goldman Sachs recently announced that it has reached an agreement in principle to pay $5.1 billion to settle an investigation by the government into its activities involving residential mortgage-backed securities in the years leading up to the 2008 financial crisis. $1.8 billion of the money is supposed to go to providing consumer relief. Goldman's press release states: **"The consumer relief will be in the form of principal forgiveness for underwater homeowners and distressed borrowers; financing for construction, rehabilitation and preservation of affordable housing; and support for debt restructuring, foreclosure preventio****n and housing quality improvement programs, as well as land banks.”** \[fa icon="clock-o"\] Friday, February 19, 2016 \[fa icon="user"\] [Maxwell Swinney](https://blog.amerihopealliance.com/blog/author/maxwell-swinney) \[fa icon="folder-open'\] [loan modification](https://blog.amerihopealliance.com/blog/topic/loan-modification), [HAMP](https://blog.amerihopealliance.com/blog/topic/hamp), [foreclosure](https://blog.amerihopealliance.com/blog/topic/foreclosure) [Read More »](https://blog.amerihopealliance.com/blog/goldman-sachs-to-pay-5.1-billion-to-settle-mortgage-scandal-claims) ## [Facts About HAMP and How It Has Changed to Create More Loan Modifications](https://blog.amerihopealliance.com/blog/facts-about-hamp-and-how-it-has-changed-to-help-you) ![know-the-guidelines-hamp](https://blog.amerihopealliance.com/hs-fs/file-274387878-jpg/images/know-the-rules-hamp.jpg)In 2009, President Obama introduced the Home Affordable Modification Program (also known as [HAMP](http://makinghomeaffordable.gov/)). The program was designed to help struggling homeowners either to refinance their mortgage or modify their existing mortgage. The program was designed with incentives to the servicers/mortgage lenders and homeowners. However, many servicers were not seeing the program through, and as a result, many homeowners experienced multiple obstacles in getting a HAMP loan modification. #### HAMP adapts to protect homeowners from foreclosure The HAMP program, unveiled in 2009, was considered by many to be a **failed experiment** (in part due to the servicers lack of participation and implementation of the rules as well as many stringent program guidelines). Due to many failed modifications, in June of 2012 the Obama administration unveiled HAMP Tier 2 in an attempt to provide assistance to struggling homeowners. **Tier 2 came with some much needed eligibility changes**. \[fa icon="clock-o"\] Thursday, August 22, 2013 \[fa icon="user"\] [Jake Sterling](https://blog.amerihopealliance.com/blog/author/jake-sterling) \[fa icon="folder-open'\] [HAMP](https://blog.amerihopealliance.com/blog/topic/hamp), [hamp loan modification](https://blog.amerihopealliance.com/blog/topic/hamp-loan-modification) [Read More »](https://blog.amerihopealliance.com/blog/facts-about-hamp-and-how-it-has-changed-to-help-you) ## [6 Myths About HAMP Loan Modifications](https://blog.amerihopealliance.com/blog/bid/300236/5-Myths-About-HAMP-Loan-Modifications) [![](https://blog.amerihopealliance.com/hs-fs/file-205096937-jpg/images/detective_dog_copy-resized-600.jpg)](https://blog.amerihopealliance.com/blog/bid/300236/5-Myths-About-HAMP-Loan-Modifications) *Editor's note: This article was originally published June 2013, and has been updated in November 2015. Some reported facts are from 2012 and 2013, but HAMP information is current as of this date. * In May 2013, the credit reporting agency [TransUnion](http://newsroom.transunion.com/press-releases/transunion-national-mortgage-loan-delinquency-rat-1014669#.UaN9vjekJ-R) reported that the percentage of mortgage holders with mortgages 60 days or more delinquent decreased 12% from the fourth quarter (Q4) of 2012 to 4.36% and a 21% drop from Q1 2013.  Both numbers represent the biggest declines since TransUnion started tracking mortgage delinquency data. Nonetheless, too many homeowners continue to have difficulties making their mortgage payments each month and suffer financial hardship. Due to a lack of accurate information, a large number of these borrowers do not realize that they may be eligible for financial relief under the federal government’s [Making Home Affordable](http://www.federalreserve.gov/newsevents/press/bcreg/20090304a.htm) loan modification program. Here are six of the most [misunderstood aspects](http://www.avvo.com/legal-guides/ugc/the-top-seven-myths-about-loan-modifications-separating-fact-from-fiction) about the Making Home Affordable Program. \[fa icon="clock-o"\] Monday, June 24, 2013 \[fa icon="user"\] [Kristen Clinton](https://blog.amerihopealliance.com/blog/author/kristen-clinton) \[fa icon="folder-open'\] [loan modification](https://blog.amerihopealliance.com/blog/topic/loan-modification), [HAMP](https://blog.amerihopealliance.com/blog/topic/hamp), [hamp loan modification](https://blog.amerihopealliance.com/blog/topic/hamp-loan-modification), [loan modification help](https://blog.amerihopealliance.com/blog/topic/loan-modification-help) [Read More »](https://blog.amerihopealliance.com/blog/bid/300236/5-Myths-About-HAMP-Loan-Modifications) [\[fa icon="angle-double-left"\] Prev](https://blog.amerihopealliance.com/blog/topic/hamp/page/1) [All posts](https://blog.amerihopealliance.com/blog/all) ### About this Blog Amerihope Alliance Legal Services is a leading loan modification and foreclosure defense law firm with attorneys licensed in 5 states. We have helped over 7,000 homeowners fight back and keep their homes. [![Click to Read Our Super Loan Mod Success Stories](https://no-cache.hubspot.com/cta/default/161513/ae6b7cd7-c502-4ee5-a643-cd8deff48953.png)](https://cta-redirect.hubspot.com/cta/redirect/161513/ae6b7cd7-c502-4ee5-a643-cd8deff48953) Our goal is to provide valuable information to help homeowners who are trying to obtain a loan modification or to stop foreclosure. You may schedule a [free consultation](https://www.amerihopealliance.com/free_consultation) at any time. ### Subscribe to Email Updates - Popular - Recent - Topics ![feature image](https://blog.amerihopealliance.com/hubfs/images/Affirmative-517166-edited.jpg) [Using Affirmative Defenses When Answering A Foreclosure Complaint](https://blog.amerihopealliance.com/blog/using-affirmative-defenses-when-answering-a-foreclosure-complaint) Published December 3, 2019 ![feature image](https://blog.amerihopealliance.com/hs-fs/file-371665267-jpg/images/us-bank-logo-slim.jpg) [How Our Attorneys Beat U.S. Bank, A True Foreclosure Stooge](https://blog.amerihopealliance.com/blog/how-our-attorneys-defeated-us-bank-stooge-foreclosure) Published November 6, 2013 ![feature image](https://blog.amerihopealliance.com/hubfs/images/auction2.jpg) [What If Your Home Doesn't Sell At Foreclosure Auction?](https://blog.amerihopealliance.com/blog/what-if-your-home-doesnt-sell-at-auction) Published October 13, 2018 ![feature image](https://blog.amerihopealliance.com/hubfs/images/Danger-124412-edited.jpg) [Avoid Inheriting A Timeshare By Filing "Disclaimer of Interest"](https://blog.amerihopealliance.com/blog/avoid-inheriting-a-timeshare-by-filing-disclaimer-of-interest) Published June 18, 2018 ![feature image](https://blog.amerihopealliance.com/hubfs/images/padlocked-home.jpg) [What Do You Do If Your Bank Changes the Locks on Your House?](https://blog.amerihopealliance.com/blog/what-do-you-do-if-the-bank-changes-the-locks-on-your-house) Published October 19, 2016 ### Lists by Topic - 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