Home Affordable Modification Program
Home Affordable Modification Program: Borrower Documents

HAMP: Borrower Documents

To assist servicers with Home Affordable Modifications, borrower solicitation guidelines and materials are available below.

Servicers should follow their existing practices, including complying with any express contractual restrictions, with respect to solicitation of borrowers for modifications. Servicers are strongly encouraged to use the documents provided below. They may revise the documents in accordance with the instructions provided in the Making Home Affordable Handbook.

+ General Solicitations

    Solicitation Letter
    If a servicer does not have a borrower's recent financial information, the servicer may send a letter requesting that the borrower call the servicer to discuss the details of his or her individual circumstances. Servicers may use the sample Solicitation Letter for this purpose.
    (Last Updated: September 21, 2011 )
    MHA Third Party Authorization Form
    Borrowers may use, and servicers, subject to applicable law, must accept, the form to provide third-party authorizations to discuss borrowers' personal information, including authorizations for state Housing Finance Agencies with respect to the HFA Hardest-Hit Fund.
    (Last Updated: September 21, 2011 )

+ Firm Solicitation Offers

Standard Verification Process

Servicers must require a borrower to submit the required documentation necessary to verify the borrower's eligibility for a Home Affordable Modification before preparing the Home Affordable Modification Trial Period Plan Notice, using the following documents:

    Dodd-Frank Certification - English
    Dodd-Frank Certification - Spanish
    To the extent servicers are not using the Request for Mortgage Assistance or Hardship Affidavit (each of which incorporates the certification under the Dodd-Frank Act), servicers must use this form to obtain certification from each borrower in accordance with the Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank Act).
    (Last Updated: October 26, 2011 )
    Home Affordable Modification Trial Period Plan Notice
    Upon receipt of the documentation and determination of the borrower's eligibility, servicers must prepare and send to the borrower a firm offer indicating the borrower qualifies for the Home Affordable Modification.
    (Last Updated: September 21, 2011 )
    Home Affordable Modification Program Counseling Letter
    If the borrower requires debt counseling as part of his or her Home Affordable Modification, servicers should include this letter in the envelope with the fully executed Trial Period Plan when it is sent to the borrower.
    (Last Updated: September 21, 2011 )

+ Provision of Modification Agreement

Servicers should send the following Cover Letter and the Home Affordable Modification Agreement for execution by the borrower after receipt of the second to last trial period payment:

+ Use of Making Home Affordable Logo

Servicers have the option of using the Making Home Affordable logo provided below, by itself or together with the servicer's logo, on all envelopes and packages used to send the Home Affordable Modification solicitation materials to borrowers. The servicer's name and return address must be shown on any solicitation materials sent to borrowers. Servicers may download the Making Home Affordable logo for use on envelopes and packages below. Servicers are encouraged to use Making Home Affordable logos together with the servicer's logo on the letters.

    Envelope example

    Agreement For the Home Affordable Modification Program, servicers will have the option to use the provided Making Home Affordable logo, by itself or together with the servicer's logo, on envelopes and packages used to send the Home Affordable Modification solicitation materials to borrowers. The servicer's name and return address must be shown on any solicitation materials sent to borrowers. In addition, servicers are encouraged to use the Making Home Affordable logo, together with the servicer's logo, to co-brand the Home Affordable Modification Cover Letters (the "Home Affordable Modification Cover Letters"), "Counseling Letter," and "Solicitation Letter" attached above.

    By accepting the Home Affordable Modification solicitation content and the Making Home Affordable logo, Servicer, as a non-exclusive licensee, agrees that the US Treasury retains all rights in the Making Home Affordable logo, and that Servicer shall only use the Making Home Affordable logo in conjunction with the Home Affordable Modification Cover Letters, Counseling Letter, and Solicitation Letter attached above. Servicer further agrees that it shall not make any material alterations to the content without the prior consent of the US Treasury unless authorized under the Supplemental Directive 09-01 - Home Affordable Modification Guidelines. The US Treasury reserves the right to review Servicer's activities under the Home Affordable Modification Program and may terminate this license at any time.


    (Last Updated: September 21, 2011 )