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Mortgage Help for Homeowners Affected by Hurricanes


If you are a homeowner whose home or place of employment has been impacted by Hurricanes Harvey, Irma, or Maria, contact your mortgage company right away to discuss your mortgage relief options.

What help is available? 

If you are affected by the recent hurricanes, and your loan is owned by Fannie Mae or Freddie Mac, you may be eligible to temporarily stop making your monthly mortgage payments in three month intervals for up to 12 months. At the end of this temporary payment break:

  • You won’t have late fees. 
  • You won’t have delinquencies reported to the credit bureaus. 
  • You won’t have to catch up on all of your payments at once. 
  • You can work with your servicer to resume making a mortgage payment that is similar to what you paid before the disaster. Or if you need additional assistance, you can work with your servicer on 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. You also can look it up on the Mortgage Bankers Association website at www.mba.org/news-research-and-resources/hurricane-relief

If you are having difficulty contacting your mortgage servicer, contact the Homeowner’s HOPE™ Hotline at 1-888-995-HOPE (4673) for assistance and FREE confidential support from a HUD-approved housing counselor. 

Beware of Scams

During time of crisis, there is an increased risk of scams and fraud. Protect yourself by asking questions, reading the materials provided to you, and avoiding any solicitations requiring up-front cash payments. If you think you may have been a victim of a scam, contact the U.S. Department of Justice Disaster Fraud Hotline at 866-720-5721.

Helpful Resources: 

Fannie Mae

Check to see if Fannie Mae owns your loan at: www.KnowYourOptions.com/loanlookup 

Additional assistance? Call 1-800-2FANNIE (1-800-232-6643), or go to: www.KnowYourOptions.com/relief 

Freddie Mac 

Check to see if Freddie Mac owns your loan at: www.freddiemac.com/mymortgage

Additional assistance? Call 1-800-373-3343 and select option #2, or go to: http://www.freddiemac.com/about/hurricane-relief.html

Download  Fannie Mae and Freddie Mac Mortgage Relief Options (PDF)

        

The Department of Housing and Urban Development

For further information about your FHA-insured mortgage, contact the National Servicing Center at 877-622-8525. For other questions, contact the FHA Resource Center at 800-CALL-FHA (5342). For a list of HUD-approved housing counselors, go to: www.hud.gov or call 800-569-4287.

The Department of Veterans Affairs

Veterans who have questions regarding their home loans should contact VA's home loan program toll free number, 877-827-3702, to speak with a Loan Technician.

Veterans whose homes have ever been modified with VA Specially Adapted Housing grant funds, should also contact VA at 877-827-3702 to speak with our staff. Depending on the situation, additional grant funds may be available to help repair a disaster-damaged home.

More specific disaster-related information can be found at:
https://www.benefits.va.gov/homeloans/documents/docs/va_policy_regarding_natural_disasters.pdf 
  

Other Resources:

The Federal Emergency Management Agency (FEMA) offers assistance and information about dealing with a disaster on their website at www.fema.gov .

Visit their website to find information specific to Hurricanes Harvey, Irma, and Maria at  www.fema.gov/hurricane-harvey, www.fema.gov/hurricane-irma, and www.fema.gov/hurricane-maria. To locate federal, state, and local resources and assistance, you can also go to www.disasterassistance.gov.

Other helpful resources, like how to find aid and shelters, can also be found on  the American Red Cross website at www.redcross.org/get-help.

Federal Home Loan Bank Member Resources

Federal Home Loan Bank Dallas Hurricane Harvey Relief Programs for Members and Housing Associates

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