![[Photo: Making Home Affordable]](https://webarchive.library.unt.edu/web/20090807165546im_/http://www.hud.gov/local/common/images/100days-c-thumb.jpg)
Making Home Affordable
A recent expansion of the Making Home Affordable program now allows borrowers who are current but up to 125 percent underwater on their mortgage, and have mortgages currently owned or guaranteed by Fannie Mae and Freddie Mac to refinance those loans according to the terms of the Home Affordable Refinance program established earlier this year.
Are You Behind In Your Payments?
Foreclosure can often be prevented. Don’t ignore letters from your lender. ACT NOW!
What you must know to avoid foreclosure
![[Photo: ]Apartment](https://webarchive.library.unt.edu/web/20090807165546im_/http://www.hud.gov/local/common/images/apartment.jpg)
Need Help Renting?
Learn about Housing Choice Vouchers (Section 8) and find an affordable apartment in Arkansas. It's all on our Rental Help page.
Buying and Owning a Home
![[Logo: Homes and Communities: U.S. Department of Housing and Urban Development]](https://webarchive.library.unt.edu/web/20090807165546im_/http://www.hud.gov/images/common/hgv-bnr-logo1.gif){kind=logo}
![[Vea la versión en español de esta página]](https://webarchive.library.unt.edu/web/20090807165546im_/http://www.hud.gov/images/common/hgv-bnr-espanol2.gif)
![[Display the text version of this page]](https://webarchive.library.unt.edu/web/20090807165546im_/http://www.hud.gov/images/common/hgv-bnr-text.gif)
![[Search/Index]](https://webarchive.library.unt.edu/web/20090807165546im_/http://www.hud.gov/images/common/hgv-bnr-search.gif)
![[The U.S. government's official web portal]](https://webarchive.library.unt.edu/web/20090807165546im_/http://www.hud.gov/images/common/hgv-tpc-usagov.gif){kind=small}
![[Photo: Gardens at Osage Terrace]](https://webarchive.library.unt.edu/web/20090807165546im_/http://www.hud.gov/local/ar/images/ss-pict-or-2004-03-18.jpg)
See how HUD funds benefit your community
![[logo: Fair Housing and Equal Opportunity]](https://webarchive.library.unt.edu/web/20090807165546im_/http://www.hud.gov/images/common/hgv-icn-fheo.gif){kind=small}
![[Logo: HUD seal]](https://webarchive.library.unt.edu/web/20090807165546im_/http://www.hud.gov/images/common/hgv-icn-seal.gif)