Worried about mortgage payments? Get the help you’re entitled to.

Talk to your mortgage servicer

Your mortgage servicer is the company you send your mortgage payments to each month. Call your servicer at the number on your statement or check their website. Or, if you’re already behind and your servicer is calling you—pick up the phone. Tell your servicer you can’t make your monthly payment because of COVID-19 and ask them for help avoiding foreclosure.

Get expert help from a 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.

Visit consumerfinance.gov/mortgagehelp or call the CFPB at (855) 411-CFPB (2372) to find a HUD-approved housing counseling agency.

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.