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PRINCIPAL REDUCTION ALTERNATIVE

Effective Oct. 1, 2010 – Dec. 31, 2012

Are you eligible for a principal reduction of your home mortgage?

   Do you owe more than your home is worth? Would you like to reduce the prinicpal balance of your mortgage loan?




More than 100 HAMP-participating servicers are required to evaluate homeowners for principal reduction.

The largest servicers include:

  • Bank of America
  • CitiMortgage
  • JP Morgan Chase
  • Wells Fargo

Additional servicers are:

  • AgFirstFarm Credit Bank
  • Allstate Mortgage Loans & Investments, Inc.
  • American Eagle Federal Credit Union
  • American Finance House LARIBA
  • American Home Mortgage Servicing, Inc
  • AMS Servicing, LLC
  • Aurora Loan Services, LLC
  • Bank of America, N.A.1
  • Bank United
  • Bay Federal Credit Union
  • BayviewLoan Servicing, LLC
  • Bramble Savings Bank
  • Carrington Mortgage Services, LLC
  • CCO Mortgage
  • Central Florida Educators Federal Credit Union
  • CentrueBank
  • CitiMortgage, Inc.
  • Citizens 1st National Bank
  • Citizens Community Bank
  • Citizens First Wholesale Mortgage Company
  • Community Bank & Trust Company
  • Community Credit Union of Florida
  • CUC Mortgage Corporation
  • DuPageCredit Union
  • Eaton National Bank & Trust Co
  • Farmers State Bank
  • Fay Servicing, LLC
  • Fidelity Homestead Savings Bank
  • First Bank
  • First Financial Bank, N.A.
  • First Keystone Bank
  • First National Bank of Grant Park
  • First Safety Bank
  • Franklin Credit Management Corporation
  • Franklin Savings
  • Fresno County Federal Credit Union
  • GFA Federal Credit Union
  • Glass City Federal Credit Union
  • GMAC Mortgage, LLC
  • Golden Plains Credit Union
  • Grafton Suburban Credit Union
  • Great Lakes Credit Union
  • Greater Nevada Mortgage Services
  • Green Tree Servicing LLC
  • Hartford Savings Bank
  • Hillsdale County National Bank
  • HomEqServicing
  • HomeStarBank & Financial Services
  • Horicon Bank
  • Horizon Bank, NA
  • Iberiabank
  • IBM Southeast Employees' Federal Credit Union
  • IC Federal Credit Union
  • Idaho Housing and Finance Association
  • iServeResidential Lending LLC
  • iServeServicing Inc.
  • J.P.MorganChase Bank, NA2
  • Lake City Bank
  • Lake National Bank
  • Liberty Bank and Trust Co.
  • Litton Loan Servicing
  • Los Alamos National Bank
  • Magna Bank
  • MainstreetCredit Union
  • MarixServicing, LLC
  • Metropolitan National Bank
  • Midland Mortgage Company
  • Midwest Bank & Trust Co.
  • Midwest Community Bank
  • Mission Federal Credit Union
  • MorEquity, Inc.
  • Mortgage Center, LLC
  • Mortgage Clearing Corporation
  • NationstarMortgage LLC
  • Navy Federal Credit Union
  • Oakland Municipal Credit Union
  • OcwenFinancial Corporation, Inc.
  • OneWest Bank
  • ORNL Federal Credit Union
  • Park View Federal Savings Bank
  • Pathfinder Bank
  • PennyMacLoan Services, LLC
  • PNC Bank, National Association
  • PNC Mortgage3
  • Purdue Employees Federal Credit Union
  • QLending, Inc.
  • Quantum Servicing Corporation
  • Residential Credit Solutions
  • RG Mortgage Corporation
  • Roebling Bank
  • RoundPointMortgage Servicing Corporation
  • Saxon Mortgage Services, Inc.
  • Schools Financial Credit Union
  • SEFCU
  • Select Portfolio Servicing
  • ServisOne Inc., dbaBSI Financial Services, Inc.
  • ShoreBank
  • Silver State Schools Credit Union
  • Specialized Loan Servicing, LLC
  • Spirit of Alaska Federal Credit Union
  • Stanford Federal Credit Union
  • Sterling Savings Bank
  • Suburban Mortgage Company of New Mexico
  • Technology Credit Union
  • The Golden 1 Credit Union
  • U.S. Bank National Association
  • United Bank
  • United Bank Mortgage Corporation
  • University First Federal Credit Union
  • VantiumCapital, Inc.
  • Verity Credit Union
  • VistFinancial Corp.
  • WealthbridgeMortgage Corp.
  • Wells Fargo Bank, NA4
  • WescomCentral Credit Union
  • Yadkin Valley Bank

To Learn more about Principal Reduction Alternative and other making homes affordable loan programs, CLICK HERE.