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Making Home Affordable Program

The Making Home Affordable Program of the U.S. Treasury Department allows eligible borrowers to refinance or modify their mortgage loans, resulting in more affordable home payments. U.S. Bank is participating in the program and fully supports efforts to help families remain in their homes by lowering monthly home mortgage payments.

Detailed information about the Making Home Affordable Program is available at To determine if you’re eligible for a HARP refinance or HAMP modification, please review the following information.

Home Affordable Refinance Program (HARP)

Starting December 1, 2011, and extending to December 31, 2015, new enhancements have been made to the Home Affordability Refinance Program (HARP) to help homeowners refinance their current mortgage even if the value of the home has declined.

  • If you have a Freddie Mac or a Fannie Mae loan. If you are uncertain about the type of loan you have:
  • Expanded Loan to value guidelines addressing declining property values.
  • New expanded guidelines regarding owner occupancy.
  • Borrowers must be current on their mortgage payments with no late payment in the past six months and no more than one late payment in the past 12 months.
  • Verification of income source is now required.
Learn more about the Home Affordability Refinance Program (HARP) and how it can help eligible borrowers take advantage of low interest rates and other refinancing benefits.

Home Affordable Modification Program (HAMP)

You may be eligible for a HAMP modification if all of the following are true:

  • You occupy the home as your primary residence.
  • The amount you owe on your first mortgage is less than or equal to $729,750.
  • You are delinquent in your payments or, if current, are having difficulty paying your mortgage, perhaps due to a significant increase in your monthly payment, a reduction in income, or a hardship that has increased your expenses.
  • You obtained your current mortgage before January 1, 2009.
  • U.S. Bank Home Mortgage currently services your loan.

If you answered "yes" to all of the above criteria for either HARP or HAMP program, you may be eligible for a refinance or modification. Please contact any of our loan specialists to review your options and begin the application process. To locate a loan specialist in your area, call 866-932-0462.

If you are not eligible or do not qualify for a loan modification or refinance under the HAMP or HARP program, we may have other options to help you with your mortgage loan.

We are committed to trying to help our borrowers under the Making Home Affordable Program. While not all borrowers are eligible and will qualify under the program, we urge you to contact us if you are unable to make or are having difficulty making your loan payment.

We are experiencing high customer demand for these services, and we appreciate your patience when contacting us.


More Resources for First-Time Home Buyers

Need help getting through the process?

Call 877-303-1640 today to get started, or contact a local U.S. Bank Home Mortgage Loan Officer.


Equal Housing Lender Equal Housing Lender

Loan approval is subject to credit approval and program guidelines. Not all loan programs are available in all states for all loan amounts. Interest rate and program terms are subject to change without notice.

You can always call us for further information on the mortgage application process and to find out about the wide variety of mortgage products offered by U.S. Bank Home Mortgage.

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866-445-4681 or
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