Help Decide the Future of Aging. Join the White House’s Live Stream From Cleveland Monday. Learn more


Renew for 3 and attend Life at 50+ for free

Contests and

You Could Choose Your Dream Vacation!

Hawaii, the Grand Canyon or an Alaskan Cruise! No purchase necessary. Ends May 31. See official rules.

Driver Safety

Piggy bank on the road - AARP Driver Safety

Take the new AARP Smart Driver Course!

You Could Choose Your Dream Vacation
Happy African American couple

AARP Books

Visit the Money Section

Enjoy titles on retirement, Social Security, and becoming debt-free.

Jobs You Might Like

most popular


Worried About Losing Your Home? Ask A Lawyer

I am having trouble paying my mortgage and heard the President has a mortgage modification plan. Can I apply for it?

Last February, President Obama announced the Home Affordable Modification Program (HAMP) to help eligible families modify their mortgages to avoid foreclosure.   To qualify you must live in the home as your principal residence and not change ownership of the home.  Not all loans or borrowers will qualify for the HAMP program. 

To determine if you qualify, contact your mortgage company directly or contact a US Department of Housing and Urban Development (HUD)-approved housing counselor. The HUD-approved housing counselors can help you evaluate your income and expenses and understand your options. This counseling is FREE.

To speak to a housing counselor, call 1-888-995-HOPE (4673). For information on HAMP, you can also look online. 

As always, be careful of scams by people offering to help save your home. Unscrupulous companies will sometimes reference government plans to gain your trust or claim they can modify your mortgage for a fee. You should NOT pay any fees to a company who offers to help you get a loan modification.  That assistance is available for free from a HUD-approved housing counselor at the number above.  

If your mortgage company is a HAMP participant, you should be evaluated for a HAMP modification before your loan goes into foreclosure.  If you get a foreclosure notice and you have not been evaluated for a HAMP modification, you should contact your mortgage company and the foreclosure attorney immediately to request your HAMP review and to stop the foreclosure sale. Some mortgage companies have their own modification programs for borrowers whose loans are not eligible for the HAMP program or for borrowers whose loans cannot be modified under that program.  Be sure to ask your mortgage company about all of your modification options.  It is important to follow carefully ALL of the instructions your mortgage company gives you about applying for the programs, and be sure to provide the company will all documentation they request.  

If you are a DC resident age 60 and older, you may be eligible for legal assistance from AARP Legal Counsel for the Elderly (LCE). Call the LCE legal advice hot line at 202-434-2120.

Topic Alerts

You can get weekly email alerts on the topics below. Just click “Follow.”

Manage Alerts


Please wait...

progress bar, please wait

Tell Us WhatYou Think

Please leave your comment below.


The Cheap Life

Jeff Yeager Cheap Life Ultimate Cheapskate AARP YouTube web series save money

Catch the latest episode of The Cheap Life starring Jeff Yeager, AARP's Ultimate Cheapskate. Watch

Discounts & Benefits

From companies that meet the high standards of service and quality set by AARP.

Credit safeguards with AARP® Identity Theft Protection from TrustedID®.

AARP Credit card from Chase

Members can get cash back rewards on purchases with the AARP® Credit Card from Chase.

Man using cell phone outdoors

Members save on monthly service & usage fees and get free activation with Consumer Cellular.

Member Benefits

Join or renew today! AARP members receive exclusive member benefits & affect social change.


Advance your skills. Transform your career.

Explore your learning possibilities.