You don’t have to face financial uncertainty alone
Managing Financial Uncertainty
Financial uncertainty is always stressful, whether it’s a short-term setback or a long-term change. Regardless of the reason, assistance is available — for both homeowners and renters — to help get you through the difficult period and on the path to a more stable future.
Call mortgage company
Call your mortgage company
Your mortgage servicer — the company you make your monthly mortgage payments to — can help you identify relief options that may be right for your situation. If you don’t know who your servicer is, you can usually find it listed in the top-left corner of your mortgage statement.
Tips for talking to your servicer
Prepare for the call with your mortgage company by reviewing these tips ahead of time.
Avoiding foreclosure
Nobody wants to experience foreclosure. Fortunately, there are options available to help struggling homeowners avoid foreclosure.
Mortgage assistance myths
You may have heard some inaccurate information about applying for and receiving mortgage assistance. We’re setting the record straight and debunking the most common myths here.
Contact a counselor
Contact a housing counselor
Knowledgeable housing counselors are available to speak with you at no cost. They will help you understand your options and create a personalized action plan.
Call 855-HERE2HELP to talk to a counselor today
Fannie Mae provides access to HUD-approved housing counselors. Call or make an appointment now.
How housing counseling can help you
Experienced, HUD-approved housing counselors can help you with budgeting and debt challenges, protecting your credit, avoiding foreclosure, and more. Counseling is available in multiple languages and at no cost to you.
5 questions to ask a housing counselor
Speaking one-on-one with a housing counselor is a great opportunity to get answers and explanations, so be sure to make a list of questions ahead of time. Here are five to get you started.
Understand relief options
Understand mortgage relief options
There are options that can allow you to stay in your home or decide to leave — without facing foreclosure. Your mortgage company will talk through your options, but it can help to have a basic understanding before you call.
Options to stay in your home
Learn about mortgage options that may allow you to stay in your home, while avoiding foreclosure and potentially making your monthly payments more manageable.
Options to leave your home
If you decide staying in your home is no longer affordable or practical for you, there are mortgage options that can help you avoid foreclosure as you gracefully move on.
Understand the impact
It’s important to understand how mortgage relief could affect your financial future, including the impact on your credit score and changes to your loan terms.
Financial support is available for those impacted by COVID
Homeowner Assistance Fund
You may be eligible for financial assistance from the federal government through the Homeowner Assistance Fund which supports homeowners facing financial challenges due to COVID. You can learn more about this program using our free housing counseling service at 855-HERE2HELP (855-437-3243).
Financial assistance for landlords
If you're a landlord struggling to pay your mortgage because your tenants have been impacted by COVID and are having difficulty paying their rent, the Consumer Financial Protection Bureau (CFPB) has helpful information on state and local programs offering rental assistance.
Helpful calculators and tools for homeowners
Use our calculators, tools, and other resources to explore, prepare, and make more informed decisions.
Fannie Mae loan lookup tool
To explore mortgage relief options, it’s good to know who owns your mortgage. Use our Loan Lookup tool to find out.
Mortgage repayment calculator
If you've fallen behind in your mortgage payments, use this calculator to learn what you'll need to pay to bring your loan current.
Mortgage refinance calculator
See how much you'd save by refinancing. Depending on your current loan and market conditions, refinancing could help reduce your monthly payment.
Help for renters
Before making decisions during times of financial uncertainty, it’s important to understand your rights as a renter. Then you can discuss the possibility of different financial arrangements with your landlord or seek other assistance to help pay your rent. Housing counselors are also available at no cost to discuss your options.
Contact a counselor
Contact a housing counselor
Knowledgeable housing counselors are available to speak with you at no cost. They will help you understand your options and create a personalized action plan.
Call 855-HERE2HELP to talk to a counselor today
Fannie Mae provides access to HUD-approved housing counselors. Call or make an appointment now.
How a housing counselor can help you
Housing counselors can help you with budgeting and debt challenges, protecting your credit, and more. Counseling is available in multiple languages and comes at no cost to you.
5 questions to ask a housing counselor
Speaking one-on-one with a housing counselor is a great opportunity to get answers and explanations, so be sure to make a list of questions ahead of time. Here are five to get you started.
Talk to your landlord
Talk to your landlord
Depending on your rental situation, your landlord or property owner may be willing to make accommodations to help you get through a challenging financial period.
Tips for talking to your landlord
Review these tips before talking to your landlord about your financial situation.
Understand your rights
Understand your renter rights
As a renter, you have rights, and you should know what they are before making decisions. Depending on your circumstances, you may have certain protections and privileges to help you manage financial uncertainty.
Get to know your renter rights
If you’re facing eviction, it’s important that you understand your protections.
Find assistance
Find rental assistance
If you’re having difficulty paying your rent, there may be financial assistance available — including federal and local programs focused on affordable rental housing. Each program has different benefits and eligibility requirements, so explore the options to see what may work for you.
How to find the rental assistance you need
If you’re struggling to pay rent or meet housing costs, there are rental assistance resources available.
Have you been impacted by a disaster?
Business Partners
Homebuyers, Owners, & Renters
- Educational Resources
- Credit Basics
- HomeView Homeownership Education Course
- HomePath - Search for Homes
- Make Your Rent Count