Smooth Real Estate Transactions 
Who is Eligible

The Making Home Affordable Program is trying to help people who occupy the home that they need help with. Their loans need to be below the conforming limit of $729,000. The first lien mortgage must have been originated before January 1, 2009.

The program is trying to help when the loans are viewed as un-affordable as defined by the HAMP and the HAFA programs. A loan is viewed as unaffordable if the total first payment on the first mortgage exceeds 31% of the borrower’s gross income.

Borrowers must also be suffering from a financial hardship. There are lots of reasons that would cause a financial hardship. Also, the loans may be delinquent or delinquency is a reasonable expectation.

We can help!
The guidelines are fairly straight forward, but the instructions are complex. Call us and we can help you navigate through the process.

Contact us for help now 
Before it is too late

Contact us for more details!

Joan Wilson
Pacific Sotheby's International Realty

(760) 757-3468
Fax (760) 

CA  License # 01341483

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