Home Affordable Modification Program (HAMP)
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Call Chris McAleer at 302-733-7035


Home Affordable Modification Program …Are You Eligible?

The Home Affordable Modification Program (HAMP) is for homeowners who are struggling with mortgage payments and think that a lowered interest rate could bring their payments to an affordable level. These loan modifications are ideal for homeowners whose mortgage payments are just out of reach.

Are you eligible? Take this short survey to find out:


Question Answer
1. Did you obtain your mortgage on or before January 1, 2009?
Yes No Not Sure
2. Do you owe up to $729,750 on your primary residence or single unit rental property?


Do you owe up to $934,200 on a 2-unit rental property; $1,129,250 on a 3-unit rental property; or $1,403,400 on a 4-unit rental property?
Yes No Not Sure
3. Has the property been condemned?
Yes No Not Sure
4. Do you have a financial hardship and are either delinquent or in danger of falling behind on your mortgage payments (non-owner occupants must be delinquent in order to qualify)?
Yes No Not Sure
5. Do you have sufficient, documented income to support a modified payment?
Yes No Not Sure

6. Have you been convicted within the last 10 years of felony larceny, theft, fraud or forgery, money laundering or tax evasion, in connection with a mortgage or real estate transaction?


Yes No Not Sure

Contact Chris McAleer an advance CDPE member in order to review your survey results together to determine the likelihood of your eligibility.*

**Information in this survey sourced from Supplemental Directive 09-01, which is available at: https://www.hmpadmin.com/portal/docs/hamp_servicer/sd0901.pdf.

How to Recognize a Mortgage Scam

You might be a victim of a scam if:

  • You are told you will get a federal incentive to walk away from your mortgage
  • You are asked to pay upfront for counseling
  • You are pressured to sign papers immediately
  • You are asked to sign your house over to a company or person who is not working with your mortgage company
  • You are asked to make a mortgage payment to someone other than your mortgage company without their approval
  • You are guaranteed a successful short sale or mortgage modification
  • They claim to be a representative of the federal government

If you believe that you are a victim of a scam, you should contact the Federal Trade Commission (FTC) at 1-877-FTC-HELP (1-877-382-4357) or visit their Complaint Assistant https://www.ftccomplaintassistant.gov.




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*The information provided in this webpage is based on government documents, which are subject to change. Therefore, the Distressed Property Institute, LLC, and the agent featured on this page, cannot be held responsible for the accuracy of the information provided here. This survey can help you determine the likelihood of your eligibility, but only the servicer of your loan can tell you if you qualify. 

The above brokerage assumes no responsibility nor guarantees the accuracy of this information and is not engaged in the practice of law nor gives legal advice.

It is strongly recommended that you seek appropriate professional counsel regarding your rights as a homeowner. The above brokerage is not associated with the government, and our service is not approved by the government or your lender. Even if you accept this offer and use our service, your lender may not agree to change your loan.

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All information, regardless of source, is not guaranteed and should be independently verified.

Patterson-Schwartz Real Estate
680 S. College Ave., Newark, DE 19713
Main Office Phone: 302-733-7000
Christopher McAleer
Agent Phone: 302-733-7035  
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