Qualifications, Instructions and Resources

Government Mortgage Relief Programs

The purpose of a mortgage loan modification is to get your monthly payment to a more affordable level. An “affordable” mortgage payment is typically defined as 31% of the borrower’s monthly gross income. This is achieved by modifying one or more components of your mortgage:

  • Lowering the interest rate
  • Extending the life of the loan
  • Lowering the loan principle
The Homeowner Assistance Fund (HAF) is a federal program to help homeowners impacted by COVID-19 catch up on mortgage, utility bills, and pay other housing costs.


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