Analysis and Recommendations No Hope for Homeowners: The Administration’s Home Affordable Unemployment Program Hurts the Unemployed, July 2010 Home Affordable Modification Program: Borrower Notices Fall Short, November 2009 Homeowners Need Mandatory Loan Modifications and Expanded Access to Mediation; Current Programs Fall Short, September 2009 NCLC's Home Affordable Modification Program Recommendations, July 2009 NCLC's Home Affordable [...]

Practice Aids HAMP Summary for Judges (August 2013) Identifying Participating Servicers What to Do When the Servicer Says the Investor is Not Participating? What to Do When the Servicer Says No? What to Do When the Servicer Denies Because They Re-ran the NPV Test? What to Do When the Servicer Refuses to Accept or Process a [...]

HAMP Trial Period Plan (TPP) Contract Claims NCLC, with its co-counsel, has filed five class action suits on behalf of Massachusetts residents to challenge the way the nation's major banks and mortgage servicers are implementing the Home Affordable Modification Program. The lawsuits cite the failure of Wells Fargo Bank, Bank of America, Litton Loan Servicing, [...]

Testimony Testimony of Diane Thompson before the Senate Committee on Banking, Housing, & Urban Affairs: Problems in Mortgage Servicing from Modification to Foreclosure, November 2010 Testimony of Alys Cohen before the Subcommittee on Housing and Community Opportunity:  The Recently Announced Revisions to the Home Affordable Modification Program (HAMP), April 2010 Testimony of Alys Cohen before Subcommittee on [...]

  Mortgagee Letter 09-35: Loan Modification Supplemental Directive 10-08Origination GuidelinesServicing GuidelinesServicing Guidelines SupplementRefinance TransactionsRefinance Transactions AttachmentMortgagee Letter 09-43: Comprehensive Guidance ****The National  Housing Law ProjectNCLC gratefully acknowledges the support of the National Housing Law Project's Institute for Foreclosure Legal Assistance in the creation and maintenance of this page.

List of Participating Servicers Servicer Participation Agreements

Testimony on Housing Finance Reform: Essentials of a Functioning Housing Finance System for Consumers, October 29, 2013 (Questions from Senators) Testimony before U.S. Senate Banking subcommittee re: Force-Placed Insurance and Implementation of the Biggert-Waters Flood Insurance Act of 2012: One Year After Enactment, September 18, 2013 Comments to the CFPB re Amendments to the 2013 [...]