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Mortgage help for those affected by the coronavirus pandemic

Mortgage help for those affected by the coronavirus pandemic

If your ability to pay your mortgage is affected due to the coronavirus pandemic and your loan is owned by Fannie Mae or Freddie Mac, you may be eligible to delay making your monthly mortgage payments for a temporary period, during which you won’t incur late fees;

• you won’t have delinquencies reported to the credit bureaus; and

• foreclosure and other legal proceedings will be suspended

Property owners who hold non-federally backed mortgages may be similarly covered by their lenders, primarily major banks.

If you have trouble catching up at the end of this temporary relief period, additional assistance may be available. You can work with your servicer to resume making a mortgage payment. Or if you need additional assistance, you can work with your servicer on other foreclosure prevention options to keep your home.

Contact your mortgage servicer (the company where you send your monthly payments) as soon as possible to let them know about your current circumstances. The telephone number and mailing address of your mortgage servicer should be listed on your monthly mortgage statement.

For more details, see the Federal Housing Finance Agency website and listen to FHFA Administrator Mark Calabria on NPR this morning.

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