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How do I know if I qualify for a Home Loan Modification?

To apply for a Home Loan Modification, you must:

  1. Be an owner-occupant in a one to four unit property,
  2. Have a loan that was originated on or before January 1, 2009,
  3. Have a mortgage payment that is not affordable, perhaps because of a significant change in income or expenses.

If you answered YES to all of these questions, fill out form below to see if you are eligible for a Home Loan Modification.

Apply for a U.S. Loan Modification Plan to lower your monthly payments now:


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National Mortgage Help Center
17702 Mitchell N.
Irvine, CA 92614

The National Mortgage Help Center (NMHC) educates the general public and refers your contact information, at no cost to you, to evaluate qualifications for a mortgage payment reduction. NMHC is not a non-profit organization and not affiliated or approved with any replica rolex government program. By applying with NMHC does not guarantee a reduced monthly mortgage payment, and the lender may not approve to change your loan.