The Making Home Affordable Program (MHA) is designed to help homeowners retain their homes and to prevent the destructive impact of foreclosures on families and communities. One key component of MHA provides homeowners the opportunity to reduce their mortgage payments by the use of a Loan Modification through the Home Affordable Modification Option (HAMP). Ref: Mortgagee Letters 2000-05, 2003-19, 2008-21, 2009-23, 2009-35 and 2010-04.