看到这篇Dr.Owusu的文章，很有用，就翻译成中文，希望有助于还贷有困难的朋友

Avoiding Foreclosure
The Obama Administration has implemented a number of programs to assist homeowners who are at risk of foreclosure and otherwise struggling with their monthly mortgage payments. The majority of these programs are administered through the U.S. Treasury Department and HUD. This page provides a summary of these various programs. Please continue reading in order to determine which program can best assist you.

Distressed homeowners are encouraged to contact their lenders and loan servicers directly to inquire about foreclosure prevention options that are available. If you are experiencing difficulty communicating with your mortgage lender or servicer about your need for mortgage relief，INVESTIGROUP (WWW.INVESTGROUP.COM) can help contact lenders and servicers on your behalf.

Making Home Affordable

The Making Home Affordable c (MHA) Program is a critical part of the Obama Administration’s broad strategy to help homeowners avoid foreclosure, stabilize the country’s housing market, and improve the nation’s economy.

Homeowners can lower their monthly mortgage payments and get into more stable loans at today’s low rates. And for those homeowners for whom homeownership is no longer affordable or desirable, the program can provide a way out which avoids foreclosure. Additionally, in an effort to be responsive to the needs of today’s homeowners, there are also options for unemployed homeowners and homeowners who owe more than their homes are worth. Please read the following program summaries to determine which program options may be best suited for your particular circumstances.

Modify or Refinance Your Loan for Lower Payments

Home Affordable Modification Program (HAMP): HAMP lowers your monthly mortgage payment to 31 percent of your verified monthly gross (pre-tax) income to make your payments more affordable. The typical HAMP modification results in a 40 percent drop in a monthly mortgage payment. Eighteen percent of HAMP homeowners reduce their payments by $1,000 or more.

Principal Reduction Alternative (PRA): PRA was designed to help homeowners whose homes are worth significantly less than they owe by encouraging servicers and investors to reduce the amount you owe on your home.

Second Lien Modification Program (2MP): If your first mortgage was permanently modified under HAMP SM and you have a second mortgage on the same property, you may be eligible for a modification or principal reduction on your second mortgage under 2MP. Likewise, If you have a home equity loan, HELOC, or some other second lien that is making it difficult for you to keep up with your mortgage payments, learn more about this MHA program.

Home Affordable Refinance Program (HARP): If you are current on your mortgage and have been unable to obtain a traditional refinance because the value of your home has declined, you may be eligible to refinance through HARP. HARP is designed to help you refinance into a new affordable.

Assistance for Unemployed Homeowners

Home Affordable Unemployment Program (UP): If you are having a tough time making your mortgage payments because you are unemployed, you may be eligible for UP. UP provides a temporary reduction or suspension of mortgage payments for at least twelve months while you seek re-employment.
FHA Forbearance for Unemployed Homeowners: Federal Housing Administration (FHA) requirements now require servicers to extend the forbearance period for unemployed homeowners to 12 months. The changes to FHA’s Special Forbearance Program announced in July 2011 require servicers to extend the forbearance period for FHA borrowers who qualify for the program from four months to 12 months and remove upfront hurdles to make it easier for unemployed borrowers to qualify.
Managed Exit for Borrowers

Home Affordable Foreclosure Alternatives (HAFA): If your mortgage payment is unaffordable and you are interested in transitioning to more affordable housing, you may be eligible for a short sale or deed-in-lieu of foreclosure through HAFA SM
“Redemption”is a period after your home has already been sold at a foreclosure sale when you can still reclaim your home. You will need to pay the outstanding mortgage balance and all costs incurred during the foreclosure process.
FHA-Insured Mortgages

The Federal Housing Administration (FHA), which is a part of the U.S. Department of Housing and Urban Development (HUD), is working aggressively to halt and reverse the losses represented by foreclosure. Through its National Servicing Center (NSC), FHA offers a number of various loss mitigation programs and informational resources to assist FHA-insured homeowners and home equity conversion mortgage (HECM) borrowersfacing financial hardship or unemployment and whose mortgage is either in default or at risk of default.

CONTACT INVESTGROUP MANAGEMENT CONSULTANTS

WILLIAM∶investigroupvip@gmail.com

William is available to help answer your questions and assist you to better understand your options as an FHA borrower under these loss mitigation programs

了解您的选择，避免房屋被没收拍卖

柯武顺(Owusu A. Kizito)著(房屋谘询专家/博士候选人)

欧巴马政府实施数项计划协助房屋有被拍卖危险及付不出房贷的拥屋者，这些计划大部份是由美国财政部和房屋及城市发展部所掌管。以下资料是对这些计划的概要说明，有困难的拥房者应尽速寻找对自己有帮助的计划以避免房屋被法拍的下场。
「房贷可负担计划」(Making Home Affordable Program, MHA)是欧巴马政府协助拥屋者避免法拍、稳定全国房屋市场及促进全国经济的整体策略中重要的一环。
拥屋者可以减低其月付贷款额并以现今的低利率获得更稳定的贷款。对於那些无法或不想再拥有其住屋的人，该计划也可以让其脱现避免房屋遭拍卖。除此之外，为更能符合今天拥屋者的需要，也有对失业的拥屋者或是贷款超过其房屋现值者提供的帮助。底下的计划可以帮助您调整或重新贷款以降低月供款额。
「房贷可负担贷款调整计划」(Home Affordable Modification Program, HAMP)可以调低月付款额到(税前)月毛收入的31%以使您的供款可负担。典型的拥屋调整可以降少40%的月供款额，参与该计划的拥屋者有18%其月供款额减少1000元或更多。
「本金减免选项」(Principle Reduction Alternative, PRA)是为帮助那些拥屋者其房屋价值显著少於其贷款额，鼓励投资者调低其房屋的欠款。
「二次贷款调整计划」(Second Lien Modification Program, 2MP):如果你的第一个贷款已经由HAMP降低供款额但你在同一个房产上还有第二个贷款，您可能可以透过2MP来降低贷款或本金。同样的，如果您有住宅权益贷款、住宅权益信用额度(HELOC)或其他二次资款，使您有供款的困难，就应该多了解MHA计划的内容。
「房贷可负担重新贷款计划」(Home Affordable Refinance Program, HARP):如果您供款都准时，但是因为房屋的价值下跌而无法取得传统的二次贷款，您可能可以透过HARP重新贷款。HARP是为让您可以重新贷到一个更可负担更稳定的贷款。
「溺水屋」贷款
在今天的房屋市场，许多拥屋者的房屋价值都下跌到不及贷款额，这些贷款就是所谓的「溺水屋贷款」。「房贷可负担重新贷款计划」(HARP): 如果您供款都准时，但是因为房屋的价值下跌而无法取得传统的二次贷款，您可能可以透过HARP重新贷款。HARP是为让您可以重新贷到一个更可负担更稳定的贷款。其他可以帮助您的计划包括本金减免选项(Principle Reduction Alternative, PRA)、财政部/联邦住房管理局二次贷款计划(Second Lien Program, FHA2LP)、失业者拥屋协助
(Assistance for Unemployed Homeowners, UP)及联邦住房管理局失业者拥屋宽限计划(Forbearance for Unemployed Homeowners)。
如想获得有关这些联邦计划的资讯，或付不出房贷需要谘询，请直接联络柯武顺先生，
谘询专家investigroupvip@gmail.com

作者简介
柯武顺(Owusu Kizito)先生是一位有多年经验、行动积极、重视结果的专业人士，他有超过15年在谘商、银行、财务分析、计划管理和过程改良的经验。同时他在决策及解决问题的考量上，亦有分析专业的广泛背景。柯武顺先生有优良纪录，可以对困难的计划提供成功解决方案并监督其执行，因此在建立及维持良好的客户关系有著卓著的成绩。
柯武顺先生是Investigroup Companies的总裁兼行政主管。他以其在银行及贷款界的丰富关系及对法拍屋的广泛知识，成功帮助许多有困难的拥屋者保有其房屋。除了是房屋谘询专家，他也是税务专家，可以帮助纳税人减轻税务负担及正确报税。柯武顺先生有夏威夷太平洋大学MBA学位及哈佛大学研究所法律证书。柯武顺先生目前正在为其博士学位研究法拍屋对屋主及其家庭的健康影响。