- The largest program within MHA is the Home Affordable Modification Program HAMP . HAMP 's goal is to offer homeowners who are at risk of foreclosure reduced monthly mort.e payments that are affordable and sustainable over the long-term. An ability to make their monthly mort.e payments after a modification.. - Trial Period. If you 're eligible for the Home Affordable Modification Program SM HAMP , your mort.e company will usually put you on a three-month trial plan to let you demonstrate your ability to make timely payments at the new monthly payment level..Get Expert Help. HUD-approved housing counselingcies are here to help you. Know the warning signs to protect yourself, your money, and your home..
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