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Mortgage forbearance ending? Time to take the next step.

Millions of homeowners have taken advantage of forbearance to pause or reduce their mortgage payments. If your initial forbearance period is ending, decide on your next steps.

If money is still too tight

If you entered into forbearance under the CARES Act and are still facing financial hardship because of the pandemic, you are entitled to ask for and receive an extension. It won’t happen automatically—you need to ask your mortgage servicer. Talk to your servicer or a HUD-approved housing counselor.

If you can afford your payments

If your money situation means you can pay your mortgage again, it is time to exit forbearance. Because you need to stay current and also repay the skipped payments, your next step is to talk to your servicer or a housing counselor. Your servicer can tell you about options for payments you can afford.

Get expert help from a counselor

Visit consumerfinance.gov/mortgagehelp or call the CFPB at (855) 411-CFPB (2372) to find a HUD-approved housing counselor, at no cost to you.

Steer clear of scams

Scam artists try to take advantage of homeowners who get into trouble by charging lots of money—even thousands of dollars—for false promises of help. You should not have to pay anyone to help you avoid foreclosure. The help you need may be available at no cost to you from your servicer, or through a HUD-approved housing counseling agency.

Federal Coronavirus resources

White House Coronavirus Task Force

Information about COVID-19 from the White House Coronavirus Task Force in conjunction with CDC, HHS, and other agency stakeholders.
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