Pandemic Assistance: We Are Here to Help.

Updated January 2, 2024

Your home is your most significant asset—and because we get that, we’re here working to help you look after it. There’s nothing more important to us than helping you protect your home. One of the ways we can do that is by getting you the information, resources, and options you need.

To make it as easy as we can, this website should address your questions and concerns about how mortgage assistance works from forbearance to repayment or modification options. You can also visit the Consumer Financial Protection Bureau (CFPB) where you’ll find videos and other helpful information on topics about managing your finances during this challenging time.

Homeowners Assistance Fund (HAF)

The American Rescue Plan Act of 2021 (ARPA) created the Homeowners Assistance Fund (HAF) to help homeowners facing a financial hardship due to the COVID-19 pandemic by providing assistance with mortgage payments, property taxes and other housing costs. See more details about the HAF and other state mortgage assistance resources. Additionally, you can learn more about the HAF program at or by calling (800) 569-4287.

Who owns your loan and why it matters
To understand the options available for getting help with your mortgage, it’s important to know who owns your loan. That’s because homeowners with loans owned or backed by Fannie Mae, Freddie Mac, Federal Home Loan Bank, VA, USDA, and HUD, which includes FHA loans, (“federally backed loans”) were eligible for specific assistance options under the Coronavirus Aid, Relief, and Economic Security (CARES) Act, while homeowners with loans owned by other institutions are eligible for other assistance options.

Most homeowners have federally backed loans. If you’d like to check for yourself, there are some online tools you can use to look up who owns your mortgage. For example, Fannie Mae and Freddie Mac both offer a mortgage lookup tool on their websites.

Forbearance Requests

Requests for initial forbearances are no longer being accepted for most loans. The maximum duration of forbearance for federally backed loans varies and is dependent upon agency/investor/insurer guidelines.

If you are on an existing USDA COVID-19 forbearance, please call us at 866-300-8154 to end your forbearance or to potentially request an extension. USDA forbearances have a maximum duration of two six month periods.

For all other loans or if you no longer qualify for an extension, please call us at 866-300-8154 if you are experiencing a financial hardship.

Note: If you pay your own property taxes, insurance, or HOA/condo fees separately from your mortgage, you must continue making these payments during forbearance.

If your financial hardship has ended
Once your financial hardship has ended, we will work with you to determine the available options based on your financial situation, state of residence, and the type of loan you have. Your options may include*:

*Available options may vary depending on the type of loan you have and/or guidelines of your financial institution. Additional eligibility requirements and documentation may be required. The CFPB website offers additional information.

What happens after my forbearance periods have been exhausted or my financial hardship is coming to an end?

If your forbearance periods have ended or your financial hardship has ended but you are unable to resume normal payments, we’ll be able to evaluate you for available mortgage assistance options. As part of the evaluation, we may ask you to share documents needed to help us determine your eligibility for the options available to you. Your type of loan, the state in which you live and your financial situation will help determine available options. Call us at 866-300-8154 for more information.

Please Note: Please be aware of scammers who often try to take advantage of consumers when they are most vulnerable. To learn more about scammers and how to avoid being taken advantage of, please visit the Consumer Financial Protection Bureau’s website