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Find help for your situation
Help for homeowners
Learn about options to help your situation, like repaying any amount not paid during forbearance, avoiding foreclosure, and maintaining your reverse mortgage.
Help for renters
Federal, state, and local governments are offering relief. See options to avoid eviction, get rental assistance, and understand your rights.
Help for landlords
If you've lost rental income, you may be struggling to pay your mortgage and other costs. See alternatives to eviction and get help.
Apply for money to cover expenses if your tenants cannot pay rent
Where to get additional help
If you need help working with your mortgage servicer or understanding your options, you may want to reach out to a professional to help you with your specific situation. Remember: Legitimate resources will not charge an up-front fee for their services.
Housing counselors
U.S. Department of Housing and Urban Development (HUD)-certified housing counselors can discuss options with you if you're having trouble paying your mortgage or managing your reverse mortgage.
Need help with the basics?
Learn how to read your monthly mortgage statement or understand key mortgage terms, like mortgage forbearance.
Lawyers
If you need a lawyer, there may be resources to assist you through your local bar association or legal aid. If you are a servicemember, contact your local Legal Assistance Office .
Credit counselors
Reputable credit counseling organizations are generally non-profit organizations that can advise you on your money and debts, and help you with a budget. Some may also help you negotiate with creditors.
Avoiding scams and bad actors
Beware of coronavirus-related scams
See more information on scams related to the coronavirus
Learn what steps you can take if you believe you’ve been a victim of a foreclosure scam
Submit a complaint
If you have a problem with a consumer financial product or service, you can try reaching out to the company first. Companies can usually answer questions unique to your situation and more specific to the products and services they offer. We can also help you connect with the company if you have a complaint. You can submit to the CFPB online or by calling (855) 411-2372.
For homeowners: Start a complaint
For renters: See more about filing a complaint about discrimination or against a landlord
Housing discrimination
Federal laws prohibit housing discrimination. The protections they offer differ somewhat depending on whether you own or rent your home.
If you own your home, lenders and servicers may not discriminate against you for mortgage servicing practices – such as forbearance and loan modifications – based on your race, color, religion, national origin, sex (including sexual orientation and gender identity), marital status, age, family status (pregnancy or families with children), disability, whether you are receiving money from a public assistance program, or whether you are exercising your rights under certain consumer protection and fair housing laws. If you believe a lender or mortgage servicer has discriminated against you, you generally can submit a complaint with the CFPB or file a fair housing complaint with HUD . More information on fair lending and protections against discrimination can be found on the CFPB’s and HUD’s websites.
If you are renting a home or apartment, your landlord cannot
- Sexually harass you
- Refuse to rent to you
- Evict you, or
- Change or set different rules for your rental agreement
because of your race, color, national origin (country of origin or ancestry), religion, sex (including sexual orientation and gender identity), family status (pregnancy and families with children), or disability.
If you or your landlord receive federal financial assistance for housing, you are also protected from housing discrimination based on age.
Learn about your fair housing rights when you are facing eviction . If you believe your rights have been violated you can file a fair housing complaint with HUD .
Page last modified: October 14, 2021