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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.
Mortgage relief options: steps to get relief
Learn about your options and which ones you may qualify for
A federal law passed on March 27, 2020, the Coronavirus Aid, Relief, and Economic Security (CARES) Act, puts in place protections for homeowners with mortgages that are federally or Government Sponsored Enterprise (GSE) backed or funded (FHA, VA, USDA, Fannie Mae,Freddie Mac).
See how to request forbearance or mortgage relief
You are entitled to mortgage forbearance if you have a federally or GSE-backed mortgage and you are experiencing financial hardship due, directly or indirectly, to the coronavirus national emergency. When requesting mortgage relief, be prepared with the following information and questions you want to ask.
What to do once you’ve received mortgage relief
While you’re in a special coronavirus forbearance period, or working under another mortgage relief option, there are a number of things to do to continue to protect yourself.
Protections for renters
If you are a tenant living in federally subsidized housing or are renting from an owner who has a federally or GSE-backed mortgage (FHA, VA, USDA, Fannie Mae, Freddie Mac), the CARES Act may provide for a suspension or moratorium on evictions.
Avoiding scams and bad actors
Beware of coronavirus-related scams
Scammers often take advantage of vulnerable consumers during disasters and financial shocks.
Submit a complaint
Are you having trouble with a financial product or service? Try reaching out to the company first. If you've already tried reaching out to the company and still have an issue, you can submit a complaint. Tell us about your issue—we'll forward it to the company and work to get you a response, generally within 15 days.
For homeowners: Start a complaint
Federal law prohibits housing discrimination based on your race, color, national origin, religion, sex, family status, or disability. If you have been trying to buy or rent a home or apartment and you believe your rights have been violated, you can file a fair housing complaint with HUD.
Page last modified: July 24, 2020