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Primary Residential Mortgage, Inc.
10121 N Rodney Parham, Suites C & D
Little Rock, AR 72227
855-474-7169
501-225-5626
NMLS # 3094
Branch NMLS # 252910
Licensed by Arkansas Securities Department 11558
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Equal Opprtunity Lender

Some products and services may not be available in all states. Credit and collateral are subject to approval. Terms and conditions apply. This is not a commitment to lend. Programs, rates, terms and conditions are subject to change without notice.

Lets Take a Closer Look at HAMP

 The modification done through HAMP will permanently change the original terms of your mortgage. This is highly suggested for homeowners who are experiencing financial long- term hardship, people who are behind on their mortgage payments, those who are ineligible to refinance their real estate, people who obtained their mortgage on or before January 1, 2009, those who owe up to $729,750 on their primary residence and especially those that whose property has not been condemned.

 HAMP primarily aims homeowners who are delinquent with their mortgage company. Since HAMP generally changes the original terms of the contract, it will greatly reduce their monthly mortgage payments, making it more affordable. It also gives them a new start to have a much cleaner payment record with their mortgage company. It is a great option to improve your credit score rather than having your house for foreclosure. Homeowners who pay on time are even eligible for on-time payment incentives.

 Applying for HAMP is not as hard as everyone thinks. All you need to do is to gather your financial information. You have to make sure that your financial information is organized and are up to date. You’ll need a copy of your mortgage statements, other debt payments, and your income details once you call your mortgage company. You also have to explain your current financial situation. Make sure that explain your current hardship in details and are backed- up with some proof. You also have to let your mortgage company know if this is going to be a short- term or a long- term situation. Making them aware of your current situation will help them in finding the right solution for you.

 HAMP is just one of the many solutions that you can consider if you’re looking for assistance with your mortgage. You may also want to check other options such as Fannie Mae, Freddie Mac, FHA or Federal Housing Administration, U.S. Department of Agriculture, and Veterans Affairs or VA if they have other mortgage solutions for your needs. Make sure that you speak to your broker to ask for other options. Being honest with your mortgage company is the best way to get some assistance. Let them know about what’s going on so that you can properly assist you with you needs. 

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