Find your servicer to see what you qualify for
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Your mortgage relief options depend on who owns or backs your mortgage, the programs they offer, and the eligibility criteria they set. Follow these steps to find out what you may qualify for.
COVID-19 mortgage relief: 4 things to know
Since March 2020, millions of homeowners have requested and received forbearance under the CARES Act, allowing them to temporarily pause or reduce their mortgage payments.
1. Figure out who services your mortgage
Your mortgage servicer is the company that you send your mortgage payments to each month. This is who you need to contact about your mortgage relief options.
If you don’t know or can’t remember who currently services your mortgage, there are several ways to find out, including looking at your mortgage statement for contact information.
Find out who owns or services your mortgage
2. See if your mortgage is backed by Fannie Mae, Freddie Mac, or the federal government
Most homeowners are eligible for COVID hardship forbearance and are protected by the temporary halt in foreclosures. This applies if your mortgage is backed by HUD/FHA, USDA, VA, or Fannie Mae or Freddie Mac. Most homeowners have mortgages that qualify. Servicers may offer similar forbearance options for those loans not backed by Fannie Mae, Freddie Mac, or the federal government.
If you don’t know who insures or backs your mortgage, you can call your servicer or see the link above. The servicer must provide you the name, address, and telephone number of who owns, insures, or backs your loan. Your mortgage documents and note may also tell you.
Find more information about your type of loan
These links will redirect you to more information for your type of loan, as well as available “loan look up” information.
3. See if your state offers additional mortgage relief options
Many states are implementing or considering various mortgage relief options, including the suspension of foreclosures. Check your state’s government website for details .
What to do next
Contact your servicer and request forbearance.
Get expert help
Talk to a housing counselor
For help talking to your mortgage servicer or understanding your options, contact a HUD-approved housing counseling agency in your area. Housing counselors can develop a tailored plan of action and help you work with your mortgage company, at no cost to you.
Talk to a lawyer
If you need a lawyer, there may be resources to assist you, and you may qualify for free legal services through legal aid. If you’re a servicemember, you should consult with your local Legal Assistance Office .
Submit a complaint
If you have a complaint with your mortgage or forbearance plan, tell us about your issue—we'll forward it to the company and work to get you a response, generally within 15 days.