H.Amdt.24 - Amendment, as modified, requires courts to use FHA appraisal guidelines when the fair market value of a home is in dispute; denies relief to individuals who can afford to repay their mortgages without judicial mortgage modification; and extends the negotiation period from 15 to 30 days which requires the debtor to certify that he or she contacted the lender, provided the lender with income, expense and debt statements, and that there was a process for the borrower and lender to seek to reach agreement on a qualified loan modification.