Need help with the basics?
Learn how to read your monthly mortgage statement or understand key mortgage terms, like mortgage forbearance.
CARES Act Mortgage Forbearance: What You Need to Know
If you are having trouble making on-time mortgage payments due to the coronavirus national emergency, forbearance may be an option for you.
5 steps to ask for mortgage forbearance due to the Coronavirus
If the coronavirus has made it difficult to pay your mortgage, contact your mortgage servicer immediately. You may be eligible for forbearance, which temporarily pauses or reduces your monthly mortgage payments.
COVID-19 Mortgage relief: 4 things to know
Since March, millions of homeowners have requested and received forbearance under the CARES Act, allowing them to temporarily pause or reduce their mortgage payments.
COVID-19 Mortgage Forbearance: Understanding how to repay
If you currently have forbearance on your mortgage because of the coronavirus pandemic, it’s important to know that you’ll have to pay back the mortgage payments your mortgage servicer has allowed you to reduce or pause.
Help for renters
The Centers for Disease Control and Prevention (CDC) issued an order to stop certain evictions until January 31, 2021. Some states and localities have also temporarily stopped evictions.
You may have other protections if your rent is federally subsidized, or your landlord is getting forbearance help with a mortgage backed by FHA, VA, USDA, Fannie Mae, or Freddie Mac.
Mortgage relief options
Avoiding scams and bad actors
Beware of coronavirus-related scams
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
Two 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, marital status, age, family status, disability, whether you are receiving money from a public assistance program, or whether you are exercising your rights under certain consumer protection laws. If you believe a lender or mortgage servicer has discriminated against you, you generally can submit a complaint with the CFPB or . More information on fair lending and protections against discrimination can be found on the CFPB’s and websites.
If you are renting a home or apartment, your landlord is prohibited from changing or setting different terms and conditions for your rental – or from terminating your tenancy – based on your race, color, national origin, religion, sex, family status, or disability. If you believe your rights have been violated you can .
Page last modified: November 2, 2020