Get free help preparing your taxes from AARP Foundation Tax-Aide. Find a location


You Could Choose Your Dream Vacation

Contests and

AARP’s Superstar
2015 Contest

Sing for a chance to win $5,000! Enter AARP’s Superstar 2015 Contest!
See official rules.

Driver Safety

Piggy bank on the road - AARP Driver Safety

Take the new AARP Smart Driver Course!

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.

membership benefit financial college aarp

Advice on saving for education from AARP® College Savings Solutions from TIAA-CREF.

AARP Credit card from Chase

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

member benefit aarp financial service auto insurance

AARP® Auto Insurance Program from The Hartford offers members no-cost quotes.

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.