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​​Does your issue involve Fannie Mae or Freddie Mac?


As the regulator and conservator for Fannie Mae and Freddie Mac, we have delegated certain authorities to Fannie Mae and Freddie Mac, including responsibility for day-to-day operations, which involves the handling of consumer complaints.  Fannie Mae and Freddie Mac each have a review process to evaluate situations that arise involving their mortgages or property transactions.

We regularly review Fannie Mae’s and Freddie Mac's processes; however, we do not resolve individual complaints.  We cannot follow up on the status of your issue, advocate or resolve individual consumer issues, act as a court of law or lawyer on your behalf, give you legal advice, become involved in complaints that are in litigation or have already been litigated in the past, or become involved in complaints that involve parties other than Fannie Mae, Freddie Mac, or the Federal Home Loan Banks.

We encourage you to talk to your lender before involving FHFA.  If you are unsuccessful, find out if your mortgage is owned or guaranteed by Fannie Mae or Freddie Mac.  You may contact your servicer (often your bank or lender) to verify that your mortgage loan is owned or guaranteed by Fannie Mae or Freddie Mac, or you may verify it yourself by accessing  the Making Home Affordable website.

If the property or mortgage is owned or guaranteed by Fannie Mae or Freddie Mac, you should contact them directly before involving FHFA:

If your mortgage is not owned or guaranteed by Fannie Mae or Freddie Mac, you should contact the lender's or servicer’s primary regulator.  To identify the primary regulator, see Help With My Bank​.​

 

Are you unable to resolve your issue with Fannie Mae or Freddie Mac directly?


If you are unable to successfully communicate with Fannie
Mae or Freddie Mac, please contact FHFA.

Web:  Complete a Homeowner Assistance Form

Telephone:  Call the Consumer Help Line at 202-649-3811, where you will have the option to speak to someone at Fannie Mae or Freddie Mac or leave a message for FHFA.  FHFA will only respond to consumer communications in writing.

Fax: 202-649-1072

Mail:  
Consumer Communications
Federal Housing Finance Agency
Constitution Center 
400 7th Street, SW
Washington, DC 20219


Please note that FHFA only responds to consumer communications for which FHFA is the primary addressee.


Provide the following information in your communication:

  • Your name, address, telephone number(s), and email address.
  • The borrower/s’ name, address, telephone number(s), and email address, if different.
  • The complete property address of the property involved.
  • The name of the lender or servicer involved in the issue.
  • The name of the regulated entity involved in the issue: e.g., Fannie Mae, Freddie Mac, or a Federal Home Loan Bank.
  • A brief description of the issue: specifically, what happened? Who was involved? What resolution do you seek?
  • Name/s of other government agencies you have contacted about this issue.
  • The borrower’s authorization for you to represent him/her (if you are not the borrower).


Do not provide:

  • ​Personal or confidential information, such as your social security number, credit card number, or bank account number.
  • Personal financial documents, such as loan applications, mortgage statements, income verification, tax returns, or similar materials.​

 

*Privacy Act Notice*

This notice is provided pursuant to the Privacy Act of 1974 (Privacy Act), as amended, 5 U.S.C. § 552a. The collection of information detailed above is to process consumer complaints and inquiries. The records are used in accordance with Systems of Records Notices (SORN), FHFA-3 Correspondence Tracking System and FHFA-20 Telecommunications System. You can view these SORNs by clicking here. Although providing this information is voluntary, failure to provide the requested information may result in your request not being processed and may make it more difficult for FHFA to respond to you.​

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