For modification applications made before December 30, 2016, Click HERE for MFJ’s Waterfall Worksheet to determine whether borrowers pass HAMP or GSE Standard Modification waterfalls. For the HAMP & GSE Standard Modification Waterfall Worksheet User’s Guide, click HERE.
For modification applications made after December 30, 2016 on a loan held by Fannie Mae or Freddie Mac, click HERE for MFJ’s Flex and Standard Modification Waterfall. For the Flex and Standard Modification Waterfall Worksheet User’s Guide, click HERE.
For loans insured by the Federal Housing Administration, click HERE to determine whether borrowers qualify for an FHA home retention loss mitigation option. For the FHA Waterfall User’s Guide, click HERE.