The following information is intended for REALTORS® and homeowners seeking information on existing mortgage workout programs.  In general, the loan modification programs on the chart (see link below) and consumer information sheets (see links below) are intended for primary residences only.

• HOPE For Homeowners (H4H)
• Countrywide Financial (Bank of America)
• Citigroup, CitiMortgage
• JP Morgan Chase & Co.
• IndyMac Federal Bank, FDIC 
• Federal Government Loan Modification(Participants include: Fannie Mae, Freddie Mac, Federal Home Loan Banks, Hope Now participants, Department of the Treasury, Federal Housing Administration and the Federal Housing Finance Agency, and Wells Fargo.)

Mortgage loan modifications typically are handled on a case-by-case basis. Homeowners having difficulty meeting their mortgage obligation or interested in finding out more about a loan modification program should start by contacting their lender. Prior to calling a lender or loan servicer, homeowners should have the following information available:

• Loan number
• Income information and documentation
• Most recent mortgage statement
• Bank statements
• Letter demonstrating financial hardship