HAMP (the Home Affordable Modification Program), the government's loan modification program, expired December 30, 2016. Unless your application was accepted before then, HAMP is not an option for you.
But it's still possible to avoid foreclosure by getting an in-house loan modification.
In-house modifications are also called traditional or proprietary modifications, because they existed before HAMP was created and are given according to each lender's standards.
