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The U.S. government has created several programs aimed at helping borrowers in financial trouble avoid foreclosure, stay in their homes, and make their mortgage payments more affordable. Some use a catch-all term, “Obama mortgage” to describe one or more of these programs. What is an Obama mortgage? How does the government offer help to borrowers who are worried about their mortgage payments?
The term “Obama mortgage” has, for better or worse, been applied by some to one or more of the following. You’ll find that there’s one program that’s directly referred to as an Obama mortgage-the Making Home Affordable program.
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This program is described on the official site for borrowers who want to lower monthly mortgage payments, "making them more affordable and sustainable for the long-term".
of the sale of this item will benefit Reflections of Trinity
Reflections of Trinity is a 501(c)3 non profit dedicated to serving those in crisis with food, clothing and basic needs. Our food pantry opens every Saturday and over 70% of those we serve are over 65 or under 18 years old. We are very community oriented and have facilitated several monthly opportunities to engage in meaningful service projects since 2003.
|Condition:||Pre-owned : |
An item that has been used or worn previously. See the seller’s listing for full details and description of any imperfections.See all condition definitions- opens in a new window or tab
|Seller Notes:||“Gently worn pre owned Ladies Brown Faux Suede Promiscuous Platform Heels Size 10M in Great Condition”|
|Country/Region of Manufacture:||China||Pattern:||Strappy|
|Style:||Open Toe||Shoe Type:||Heels|
|Heel Height:||Very High (4.5 in. and Up)||Color:|
|US Shoe Size (Women's):||10||Occasion:||Casual|
|Width:||Medium (B, M)||Heel Type:||Slim|
Does not apply
According to the official website, HAFA “provides homeowners the opportunity to exit their homes and be relieved of their remaining mortgage debt through a short sale or a deed-in-lieu of foreclosure (DIL). It also provides homeowners with $10,000 in relocation assistance”.
This program is designed to temporarily lower or suspend a qualifying borrower’s monthly mortgage payment, “giving you some much needed breathing room while you search for your next job” according to the official site.
Each of these programs has specific criteria borrowers will need to meet in order to qualify. Some programs require you to be current on your mortgage and apply before missing payments, etc. Othes may be available for those who have fallen behind on mortgage payments. Some of these programs will help borrowers keep their homes and stay in them, while at least one is designed as a short sale/foreclosure avoidance plan.
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July 5, 2012 - The Department of Housing and Urban Development says FHA/HUD approved housing counseling is an important option for families who purchase their first homes and those struggling to prevent foreclosure.
August 9, 2011 - Missing a single payment isn't necessarily the road to foreclosure, but it's crucial to act quickly to stay far away from issues related to FHA loan default and/or foreclosure proceedings. This advice also applies to FHA HECM loans.
March 31, 2011 - The 203(k) loan program provides qualified borrowers with an FHA guaranteed loan for rehab homes. This loan is for those who want to live on the property to be improved as the primary residence, it's not meant for landlords or investors.
January 5, 2011 - Home Equity Conversion Mortgages or FHA HECM loans for short, are for borrowers aged 62 and older who want to take advantage of the equity built up in their homes.
January 5, 2011 - In 2009, the The Making Home Affordable program was introduced to help struggling home owners avoid default and foreclosure on their home loans, including FHA mortgages and equivalent programs for VA home loans.
FHA.com is a one-stop resource for homebuyers who want to make the best decisions when it comes to their mortgage. With our detailed, mobile-friendly site, individuals can access information about different FHA products, the latest loan limits, and numerous other resources to make their homebuying experience easier. Take a look at some of the reviews from other FHA.com visitors!
Purchase or refinance your home with an FHA loan. You can get one with a down payment as low as 3.5%. Browse through our frequent homebuyer questions to learn the ins and outs of this government backed loan program.
FHA.com is a privately-owned website that is not affiliated with the U.S. government. Remember, the FHA does not make home loans. They insure the FHA loans that we can assist you in getting. FHA.com is a private corporation and does not make loans.