Five Brothers

HAMP MHA Update: Supplemental Directive (SD) 13-06: Making Home Affordable Program - Administrative Clarifications


August 30, 2013


Supplemental Directive (SD) 13-06: Making Home Affordable Program - Administrative Clarifications

Today, August 30, 2013, SD 13-06: Making Home Affordable Program– Administrative Clarifications was issued, providing administrative updates and clarifications to the Home Affordable Modification Program® (HAMP), Second Lien Modification ProgramSM (2MP), Home Affordable Unemployment Program (UP), and the Home Affordable Foreclosure Alternatives® (HAFA) Program.


The following topics are covered in SD 13-06:

  • Borrower Notice of Interest Rate Step-Ups
  • Servicing Transfers Clarifications
  • IRS Form 4506-T or 4506T-EZ
  • Consideration of Non-Occupants and Non-Borrowers Following Death and Divorce
  • Return of Fully Executed Modification Agreement
  • UP and HAFA Program Cut-off Dates
  • 2MP Certification Requirement
  • Handbook Mapping Clean-Up and Clarifications


This SD amends and supersedes notated portions of the Handbook, and except as stated therein, is effective immediately.


This guidance does not apply to mortgage loans that are owned or guaranteed by Fannie Mae or Freddie Mac, or insured or guaranteed by the Veterans Administration, the Department of Agriculture’s Rural Housing Service (RHS) or the Federal Housing Administration (FHA).


In addition, the Occupancy Certification, which 2MP servicers must obtain from each 2MP borrower here the second lien is a non-GSE mortgage loan and the first lien was modified via GSE Standard Modification, is posted. A Combined Dodd-Frank and Occupancy Certification is also available on


Read SD 13-06 in its entirety for more information.



Email the HAMP Solution Center or call 1-866-939-4469.


Please click here to view the online Update