MHA issued Supplemental Directive 16-04 (Supplemental Directive). This Supplemental Directive announces the availability of version 5.1 of the Making Home Affordable Program Handbook for Servicers of Non-GSE Mortgages (Handbook). The Handbook is a consolidated reference outlining the requirements and guidelines of the Making Home Affordable Program for mortgage loans that are not guaranteed by Fannie Mae or Freddie Mac.