Request forbearance or mortgage relief
Contact your servicer
If your loan is backed by HUD/FHA, VA, USDA, Fannie Mae, or Freddie Mac, you only need to explain that you have a COVID-related financial hardship, directly or indirectly related to the pandemic. Even for those loans not backed by Fannie Mae, Freddie Mac, or the federal government, mortgage servicers are generally required to discuss relief options with you.
If you are facing financial hardships and need forbearance, you should ask for forbearance immediately.
If your loan is backed by HUD/FHA, USDA, or VA, the deadline for requesting an initial forbearance is June 30, 2021. If your loan is backed by Fannie Mae or Freddie Mac, there is not currently a deadline for requesting an initial forbearance.
If you already have a forbearance plan and need more time, you can request an extension. If your mortgage is backed by Fannie Mae, Freddie Mac, or the federal government, you are entitled to a 180-day extension of your COVID hardship forbearance if you request it.
- If your mortgage is backed by Fannie Mae or Freddie Mac: You may request up to two additional three-month extensions, up to a maximum of 18 months of total forbearance. But to qualify, you must have received your initial forbearance on or before February 28, 2021. Check with your servicer about the options available.
- If your mortgage is backed by FHA, USDA, or VA: You may request up to two additional three-month extensions, for up to a maximum of 18 months of total forbearance. But to qualify, you must have started a forbearance plan on or before June 30, 2020. Not all borrowers will qualify for the maximum. Check with your servicer about the options available.
Be prepared with the following questions you want to ask. Check your servicer's website before you call to see if there is a list provided of information you may need or if you can apply online.
Have your account number handy.
Ask these questions
- What options are available to help temporarily reduce or suspend my payments?
- Can I access forbearance, loan modification, or other options?
- When will you waive the late fees on my mortgage account?
- What should I do at the end of my forbearance period? When should I contact or expect to hear from my servicer before my forbearance ends?
- What are my payment options when forbearance ends?
- If your loan is not federally backed or insured, or is not backed by Fannie Mae or Freddie Mac, ask: What restrictions and requirements will apply at the end of the forbearance period?
- Will you charge interest on my unpaid mortgage payments during forbearance?
- What are my rights if you don’t grant me forbearance, and I disagree with your decision?
The Federal Housing Finance Agency (FHFA) has been working to provide translated mortgage resources to industry serving borrowers with limited English proficiency that may be facing difficulty paying their mortgage.
Get it in writing
Once you’ve secured forbearance or another mortgage relief option, ask your servicer to provide written documentation that confirms the details of your forbearance agreement. Read it carefully so you’re clear on what the terms are.
Find a housing counselor who can help you
How to 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.
What to do next
Once you receive mortgage relief, there are a number of things you should do to continue to protect yourself and to prepare for the expiration of your forbearance. See steps to take after you receive mortgage relief.