At NCLMS we are committed to helping you retain your most precious asset ~~~~~ YOUR HOME


Basic requirements * for the "Home Affordable Modification Program" (HAMP)

• You own and occupy your home as your primary residence.
• You are either current, at risk of imminent default, or behind in your mortgage payments, or are in foreclosure or
  bankruptcy.
• The unpaid principal balance of the first mortgage on your primary residence is $729,750 or less (loan limits are
  higher on owner-occupied multi-unit properties).
• You have verifiable source(s) of income to put towards a mortgage payment each month, even if that income has
  recently been reduced.
• You can provide copies of your most recent tax returns and will sign an affidavit of financial hardship.
• You have not previously modified your mortgage under the MHA program.
• The closing date on your loan must have been on or before January 1, 2009

For more information, visit
www.makinghomeaffordable.gov

To download the forms you will need to complete and return in order to start the process simply click the download
forms box.

Download Forms.