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http://www.car.org/legal/mortgage-workout-programs/?view=Standard




For consumer information sheets containing detailed information on specific programs that REALTORS? can share with their clients, please click on the appropriate link below.

. HOPE For Homeowners (H4H)

. Countrywide Financial (Bank of America)

. Citigroup, CitiMortgage

. JP Morgan Chase & Co.

. IndyMac Federal Bank, FDIC

. Federal Government Loan Modification (Participants include: Fannie Mae, Freddie Mac, Federal Home Loan Banks, Hope Now participants, Department of the Treasury, Federal Housing Administration and the Federal Housing Finance Agency, and Wells Fargo.)

Mortgage loan modifications typically are handled on a case-by-case basis. Homeowners having difficulty meeting their mortgage obligation or interested in finding out more about a loan modification program should start by contacting their lender. Prior to calling a lender or loan servicer, homeowners should have the following information available:

. Loan number

. Income information and documentation

. Most recent mortgage statement

. Bank statements

. Letter demonstrating financial hardship