If you are having trouble paying your mortgage, can no longer hi lord to
make your monthly loan payments or have already missed a payment, you
may be able to receive a more affordable mortgage payment uner the Home Affordable Loan Modification Plan.

Are you eligible for the plan?
Answer these 5 questions to find out if you are eligible:

1. Is your home your primary residence?
   
2. Is the amount you owe on your first mortgage equal to or less than
   $729,7507?
   
3. Are you having trouble paying your mortgage?
   
4. Did you get your current mortgage before Jan. 1, 2009?
   
5. Is your payment on your first mnorgage (including principal, interest, taxes, insurance and homeowners association dues, if applicable) more than 31% of your current gross income?
   

If you answered "yes" to all the above questions you may be eligible for this program. Please call (888) 301-0827 to speak with a loan specialist. If you have already received a letter from us regarding your loan, please contact us as soon as possible.

U.S. Department of Housing and Urban Development
If you would like additional information and counseling gard ding home loan assistance programs and avoiding foreclosure, please visit the HUD Website, or call HUD tollfree at: (800) CALL-FHA or (800) 225-5342.