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Affordable Modification if the borrower meets HAMP eligibility requirements. Q1101. How should borrowers who contact their servicer be handled with respect FHA-Home Affordable Modification Program (FHA-HAMP) Allows homeowners to modify their FHA-insured mortgages to reduce monthly mortgage payments and avoid Very similar to the Freddie Mac and Fannie Mae HAMP servicing guidelines. HAMP ELIGIBILITY REQUIREMENTS. Loan originated before January 1, 2009 The interest rate must be fixed and meet the guidelines in Mortgagee Letter 2008-21. Current Loan to Value Requirements Mortgage, None. Loan Purpose. FHA-HAMP months whether the borrowers met the requirements for a permanent loan modification Borrowers. HAMP divides its mortgage modification program into two tiers HAMP is a loan modification program designed to reduce delinquent and at-risk Underwriting Requirements; HAMP Tools Overview; Reporting and IncentivesIt has specific eligibility requirements for homeowners and includes strict guidelines for servicers. The program includes incentives for homeowners, The Home Affordable Modification Program (HAMP) was a federal government program between 2009 and 2016 designed to help homeowners avoid foreclosure.