Mortgagee Letter 2009-23 announces a new FHA Loss Mitigation option, the FHA-Home Affordable Modification Program (FHA-HAMP). FHA-HAMP will provide homeowners in default a greater opportunity to reduce their mortgage payments to a sustainable level. The mortgagee letter also provides an attachment that supplements the program guidelines for FHA-HAMP, including a requirement that the servicer obtain an executed Hardship Affidavit from every mortgagor and co-mortgagor seeking an FHA-HAMP. This Mortgagee Letter is effective August 15, 2009.