Mortgage Modification Estimate & Options Calculator
Estimate how a Fannie Mae or Freddie Mac Flex Modification might change your conventional first-lien mortgage payment using publicly available servicing-guide rules — plus a separate household affordability review.
This is an educational estimate, not an approval, denial, or loan offer. No Social Security numbers, loan numbers, or banking credentials are requested. All math runs in your browser.
Section 1: Identify the Mortgage
Tell us about the loan and property. This determines whether the published Flex Modification waterfall can be simulated.
The complete waterfall applies only to conventional first-lien Fannie Mae or Freddie Mac loans.
Occupancy is treated as information requiring program-specific review, not an automatic disqualifier.
Use the original date the loan was first originated.
Repayment plan, retention option, short sale, deed-in-lieu, or modification trial.