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Home Affordable Modification Program (HAMP) -- Last updated 7/29/10.

Click on the links below, for information on HAMP. Additional information from Fannie, Freddie, HUD, VA, and individual states is also provided below.

U.S. Department of Treasury Info -- Supplemental Directive 10-06 (6/29/10): Guidance on Annual Servicer Certification Required by the Servicer Participation Agreement; Supplemental Directive 10-04 (5/11/10): Home Affordable Unemployment Program; Supplemental Directive 09-05 Revised (3/26/10): Update to the Second Lien Modification Program (2MP); Supplemental Directive 09-09 Revised (3/26/10): Home Affordable Foreclosure Alternatives (HAFA)-- Short Sale and Deed-in-Lieu of Foreclosure Update; Supplemental Directive 10-03 (3/26/10): HAMP - Modifications of Loans Insured by the FHA; Supplemental Directive 10-01 (3/24/10): HAMP - Borrower Outreach and Communication; Supplemental Directive 10-01: HAMP - Program Update and Resolution of Active Trial Modifications(1/28/10); Supplemental Directive 09-10: HAMP - Temporary Review Period for Active Trial Modifications Scheduled to Expire on or before January 31, 2010 (12/23/09); Supplemental Directive 09-07 (10/8/09); HAMP Documentation Requirements Clarified; Temporary Waiver Issues (9/29/09); HAMP - FAQs and HAMP - FAQs, updated

www.makinghomesaffordable.gov - Consumer website

www.financialstability.gov - Official website for TARP activity. The search icon will pull up a list of all TARP contracts, including
servicer participation agreements for MHA.

www.hmpadmin.com - Website managed by Fannie Mae, as Department of Treasury's financial agent, that has copies of all program guidelines, forms, and frequently asked questions. Non-compliance issues can be reported to support@hmpadmin.com.

FANNIE MAE INFORMATION

View Fannie Mae's Home Affordable Foreclosure Alternatives (HAFA) page here, including SVC 2010-07 (6/1/10).

Servicing Policy Updates: "New Modification Program Resources Available," including Announcement 09-05R (4/21/2009, reposted 05/15/2009). Announcement 09-25 (7/13/2009), "Trial Period Guidance for the HAMP," updates policies outlined in Announcement 09-05R. Also see the FAQs re Servicing Guide Announcement 09-05R: HAMP, released on 7/06/2009.

Lender Letter 2010-04 (6/3/10) -- Extension to Fannie Mae's Alternative Modification^TM to HAMP

Announcement 09-31 (11/2/09) -- Updates and Clarification to HAMP

Announcement 09-35 (11/24/09) -- Updates to HAMP: MBS Mortgage Loans

Announcement 09-36 (12/14/09) -- Updates to HAMP: Borrower notices & requirements for tax returns, income documentation, title endorsement and recordation

Announcement 09-38 (12/24/09) -- Misc. Servicing Policy Changes (including reference to the Treasury Dept.'s Supplemental Directive 09-10 re HAMP)

Announcement SCV-2010-02 (2/1/10) -- Update to Imminent Default Guidance for Mortgage Loans Evaluated for HAMP

Announcement SCV-2010-03 (2/4/10) -- HAMP: Program Update & Resolution of Active Trial Modifications

FREDDIE MAC INFORMATION

HAMP Information Webpage: http://www.freddiemac.com/singlefamily/service/mha_modification.html

Home Affordable Foreclosure Alternatives (HAFA) Website, including Bulletin 2010-12 (6/1/10)

Learning Center: http://www.freddiemac.com/learn/service/mha.html (additional educational resources on HAMP)

Freddie Mac has launched its REO Rental Initiative (announced 03/05/2009). Further, Freddie Mac has stopped FORECLOSURE SALES on loans eligible for the Home Affordable Modification Program. See below for Freddie Mac bulletins, and selected advisory e-mails, containing Freddie Mac's requirements for the Home Affordable Modification Program.

Bulletin 2009-8 (4/07/2009)
Bulletin 2009-10 (4/21/2009)
Bulletin 2009-13 (5/26/2009)
Bulletin 2009-19 (7/13/2009)
Bulletin 2009-23 (9/18/2009)
Single-Family Advisory E-Mail (10/14/09)
Single-Family Advisory E-Mail (11/2/09)
Bulletin 2009-26 (11/2/09)
Bulletin 2009-28 (12/14/09)
Bulletin 2010-1 (1/26/10)
Bulletin 2010-3 (2/4/10)
Bulletin 2010-11 (5/17/10)
Bulletin 2010-14 (6/18/10)
Bulletin 2010-17 (7/28/10) Comprehensive Guide Ch. C65 Update & New Requirements for HAMP

For information regarding Home Affordable Foreclosure Alternatives (HAFA): Bulletin 2010-12 (6/1/10)

And see below for information regarding Relief Refinance Mortgage^SM:

Bulletin 2009-5 (3/04/2009)
Bulletin 2009-9 (4/16/2009)
Bulletin 2009-12 (5/12/2009)
Bulletin 2009-15 (6/26/2009)
Bulletin 2009-20 (7/24/2009)
Bulletin 2009-21 (8/4/2009)
Bulletin 2010-4 (2/11/2010)
Bulletin 2010-6 (3/2/2010)
Bulletin 2010-13 (6/15/2010)

HUD INFORMATION

HOPE LoanPort^TM -- Announced by HUD on 5/11/10

Mortgagee Letter 2010-11 (3/26/10) -- Availability of Treasury Success Payments for FHA-HAMP Modifications

Mortgagee Letter 2010-04 (1/22/10) -- Loss Mitigation for Imminent Default

Mortgagee Letter 2009-45 (10/27/09) -- Introduction of HUD's Web-Based Training Application: Electronic Class (EClass) on Loss Mitigation and Servicing System (including FHA-HAMP)

Mortgagee Letter 2009-39 (10/9/09) -- Updated Claim Filing & Delinquency/Default Reporting Requirements for FHA-HAMP, including Appendix 1 - Delinquency/Default Status Codes; Appendix 2 - Delinquency/Default Reason Codes; Appendix 3 - Claim Filing Assistance for Loss Mitigation Claims

Mortgagee Letter 2009-23 (7/30/2009) -- Making Home Affordable Program: FHA's HAMP Loss Mitigation Option, Attachment to ML 2009-23 (Guidelines for FHA-HAMP)

Questions & Answers: Mortgagee Letter 2009-23/FHA-HAMP, and subsequent guidance. NOTE: If you have questions about FHA HAMP or other FHA loss mitigation options, email: hsg-lossmit@hud.gov.

VA INFORMATION

Circular 26-10-06 (5/24/10): Revised VA Making Home Affordable Program (http://homeloans.va.gov/circulars/26_10_6.pdf)

Circular 26-09-17 (10/01/09): Interim Process for Pre-Approval of Loan Modifications on Current Loans

STATE INFORMATION

The Supreme Court of South Carolina Administrative Order re Mortgage Foreclosures and the Home Affordable Modification Program (5/22/2009).