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The Home Affordable Unemployment Program (UP) provides servicers with the flexibility to provide assistance to borrowers whose hardship is related to unemployment and is a supplemental program to the Home Affordable Modification Program (HAMP). Specifically, UP requires servicers to grant qualified unemployed borrowers a forbearance period during which a borrower's monthly mortgage payment may be reduced or suspended prior to considering such borrowers for HAMP.
Making Home Affordable Handbook v5.1
Chapter III of the MHA Handbook provides guidance to servicers for unemployed borrowers seeking assistance for non-GSE mortgages.
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