Home Affordable Modification Program

On February 18, 2009, President Obama announced the Homeowner Affordability and Stability Plan to help up to 9 million families restructure or refinance their mortgages to avoid foreclosure. As part of this plan, the Treasury Department announced the Home Affordable Modification Program aimed at helping 3 to 4 million at-risk homeowners – both those who are in default and those who are at imminent risk of default – by reducing monthly payments to sustainable levels. Homeowners that are current and can demonstrate financial hardship may also participate under this program

Several major servicers have opted into the Program and are waiting to hear from at-risk homeowners. The Unity Council screens borrowers for eligibility under this Program as well as other proprietary modification plans available through your servicer. Start now and see if you qualify for these amazing programs to help reduce your financial obligations and begin the process of saving your home from foreclosure.

The following servicers are participating in President Obama’s Home Affordable Modification Program: 

  • Allstate Mortgage Loans Investments Inc
  • American Eagle FCU
  • American Home Mortgage Servicing, Inc.
  • Aurora Loan Services LLC
  • Bank of America
  • Bank United
  • Bay Federal Credit Union
  • Baygulf Credit Union
  • Bayview Loan Servicing
  • Carrington Mortgage Services LLC
  • CCO Mortgage Corp
  • Central Florida Educators
  • Central Jersey Federal Credit Union
  • CitiMortgage
  • Citizens 1st National Bank
  • Citizens First
  • Community Bank And Trust Co.
  • Countrywide
  • CUC Mortgage Corporation
  • Digital Federal Credit Union
  • DuPage Credit Union
  • Eaton National Bank & Trust Co.
  • EMC Mortgage
  • Farmers State Bank
  • Fidelity Homestead Savings Bank
  • First Federal Savigns and Loan Assoc of Lakewood
  • First Federal Savings and Loan
  • First Keystone Bank
  • First National Bank of Grant Park
  • FirstBank
  • Franklin Credit Management
  • Fresno County Federal Credit Union
  • Glass City Federal Credit Union
  • Glenview State Bank
  • GMAC Mortgage, Inc.
  • Golden Plains Credit Union
  • Grafton Suburban Credit Union
  • Great Lakes Union
  • Greater Nevada Mortgage Services
  • Green Tree Servicing LLC
  • Harleysville National Bank Trust Co
  • Hartford Savings Bank
  • Hillsdale County National Bank
  • Home Financing Center Inc.
  • Home Loan Services, Inc.
  • HomEq Servicing
  • HomeStar Bank and Financial Services
  • Horicon Bank
  • Horizon Bank
  • Iberiabank
  • IBM Southeast Employees' Federal Credit Union
  • IC Federal Credit Union
  • Idaho Housing And Finance Association
  • iServe Residential Lending, LLC
  • iServe Servicing Inc.
  • JP Morgan Chase Bank
  • Lake City Bank
  • Lake National Bank
  • Litton Loan Servicing
  • Los Alamos National Bank
  • Marix Serving LLC.
  • Members Mortgage Company Inc
  • Metropolitan National Bank
  • Mission Federal Credit Union
  • MorEquity Inc
  • Mortgage Center, LLC
  • Mortgage Clearing Corporation
  • National City Bank
  • Nationstar Mortgage LLC
  • Navy Federal Credit Union
  • Oakland Municipal CU
  • Ocwen
  • OneWest Bank
  • ORNL Federal Credit Union
  • Parkview Federal Savings Bank
  • PennyMac Loan Services
  • PNC Bank National Association
  • PurdueEFCU
  • QLending Inc.
  • Quantum Servicing Corporation
  • Residential Credit Solutions
  • Roebling Bank
  • RoundPoint Corporation
  • Saxon Mortgage Services, Inc.
  • Schools Financial Credit Union
  • SEFCU
  • Select Portfolio Servicing
  • Servis One dba BSI Financial Services
  • ShoreBank
  • Silver State Schools Credit Union
  • Sound Community Bank
  • Specialized Loan Servicing, LLC
  • Spirit Of Alaska Federal Credit Union
  • Stanford Federal Credit Union
  • Sterling Savings Bank
  • Technology Credit Union
  • Tempe Schools Credit Union
  • The Bryn Mawr Trust Company
  • The Golden 1 Credit Union
  • United Bank
  • Urban Trust Bank
  • US Bank National Association
  • Vantium Capital Inc
  • Verity Credit Union
  • Visit Financial Corp.
  • Wachovia
  • Wachovia Mortgage FSB
  • Wells Fargo Bank
  • Wescom Central Credit Union
  • Wilshire Credit Corporation
  • Yadkin Valley Bank

 If your servicer is not on this list, they may be in the process of implementing the Program or have similar modification initiatives in place. The Unity Council will evaluate your financial situation based on all programs currently offered by your servicer and assist you in creating a package that is tailored to the program that is right for you.

  *Please note that loans originally serviced by WAMU and EMC are now handled by Chase Home Finance.
**Please note that loans originally serviced by Wachovia are now handled by Wells Fargo.