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Getting Help with Your Mortgage
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<li role="listitem"> <a class="block" href="/buying/down-payments-and-pmi" title="Down payments and PMI"> <div class="eyebrow"> Step 2 </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-buying.svg" alt=""> </div> <div>Down payments and PMI</div> </a> </li> <li role="listitem"> <a class="block" href="/buying/finding-your-team" title="Finding your team"> <div class="eyebrow"> Step 3 </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-buying.svg" alt=""> </div> <div>Finding your team</div> </a> </li> <li role="listitem"> <a class="block" href="/buying/finding-the-right-home" title="Finding the right home"> <div class="eyebrow"> Step 4 </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-buying.svg" alt=""> </div> <div>Finding the right home</div> </a> </li> <li role="listitem"> <a class="block" href="/buying/working-with-your-lender" title="Working with your lender"> <div class="eyebrow"> Step 5 </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-buying.svg" alt=""> </div> <div>Working with your lender</div> </a> </li> <li role="listitem"> <a class="block" href="/buying/making-your-offer" title="Making your offer"> <div class="eyebrow"> Step 6 </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-buying.svg" alt=""> </div> <div>Making your offer</div> </a> </li> <li role="listitem"> <a class="block" href="/buying/inspecting-and-appraising-your-home" title="Inspecting and appraising"> <div class="eyebrow"> Step 7 </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-buying.svg" alt=""> </div> <div>Inspecting and appraising</div> </a> </li> <li role="listitem"> <a class="block" href="/buying/closing-your-loan-when-buying" title="Closing your loan"> <div class="eyebrow"> Step 8 </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-buying.svg" alt=""> </div> <div>Closing your loan</div> </a> </li> </ul> </div> </div> </div> <div role="menu" class="submenu owning" id="subnav-owning" data-toggler data-animate="slide-in-subnav slide-out-subnav" style="display: none;" tabindex="-1"> <div class="clearfix subnav-icons"> <button class="nav-icon float-left subnav-back" type="button" data-toggle="subnav-owning nav-menu-toggle submenu-wrapper" id="subnav-back-owning"> <svg aria-hidden="true" xmlns="http://www.w3.org/2000/svg" style="margin-left: 0; width:0.875rem; height:1.125rem" viewbox="0 0 30 40"> <g stroke-width="4" fill="none" class="stroke-contrast"> <line x1="2" y1="21" x2="23" y2="4"/> <line x1="2" y1="21" x2="23" y2="38"/> </g> </svg> Back<span class="show-for-sr"> to previous menu</span> </button> </div> <div class="grid-x"> <div class="cell"> <ul role="list" class="menu vertical no-margin-top half-gutter-top gutter-bottom"> <li role="listitem" class="overview-item"> <a class="block" href="/owning" title="Owning"> <div class="eyebrow"></div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-owning.svg" alt=""> </div> <div>Owning Overview</div> </a> </li> <li role="listitem"> <a class="block" href="/owning/your-responsibilities" title="Your responsibilities"> <div class="eyebrow"> </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-owning.svg" alt=""> </div> <div>Your responsibilities</div> </a> </li> <li role="listitem"> <a class="block" href="/owning/your-homes-value" title="Your home's value"> <div class="eyebrow"> </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-owning.svg" alt=""> </div> <div>Your home's value</div> </a> </li> <li role="listitem"> <a class="block" href="/owning/home-maintenance" title="Maintaining your home"> <div class="eyebrow"> </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-owning.svg" alt=""> </div> <div>Maintaining your home</div> </a> </li> <li role="listitem"> <a class="block" href="/owning/homeownership-costs" title="Homeownership costs"> <div class="eyebrow"> </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-owning.svg" alt=""> </div> <div>Homeownership costs</div> </a> </li> </ul> </div> </div> </div> <div role="menu" class="submenu refinancing" id="subnav-refinancing" data-toggler data-animate="slide-in-subnav slide-out-subnav" style="display: none;" tabindex="-1"> <div class="clearfix subnav-icons"> <button class="nav-icon float-left subnav-back" type="button" data-toggle="subnav-refinancing nav-menu-toggle submenu-wrapper" id="subnav-back-refinancing"> <svg aria-hidden="true" xmlns="http://www.w3.org/2000/svg" style="margin-left: 0; width:0.875rem; height:1.125rem" viewbox="0 0 30 40"> <g stroke-width="4" fill="none" class="stroke-contrast"> <line x1="2" y1="21" x2="23" y2="4"/> <line x1="2" y1="21" x2="23" y2="38"/> </g> </svg> Back<span class="show-for-sr"> to previous menu</span> </button> </div> <div class="grid-x"> <div class="cell"> <ul role="list" class="menu vertical no-margin-top half-gutter-top gutter-bottom"> <li role="listitem" class="overview-item"> <a class="block" href="/refinancing" title="Refinancing"> <div class="eyebrow"></div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-refinancing.svg" alt=""> </div> <div>Refinancing Overview</div> </a> </li> <li role="listitem"> <a class="block" href="/refinancing/planning-to-refinance" title="Planning to refinance"> <div class="eyebrow"> Step 1 </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-refinancing.svg" alt=""> </div> <div>Planning to refinance</div> </a> </li> <li role="listitem"> <a class="block" href="/refinancing/costs-of-refinancing" title="Costs of refinancing"> <div class="eyebrow"> Step 2 </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-refinancing.svg" alt=""> </div> <div>Costs of refinancing</div> </a> </li> <li role="listitem"> <a class="block" href="/refinancing/options-for-refinancing" title="Options for refinancing"> <div class="eyebrow"> Step 3 </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-refinancing.svg" alt=""> </div> <div>Options for refinancing</div> </a> </li> <li role="listitem"> <a class="block" href="/refinancing/working-with-your-lender" title="Working with your lender"> <div class="eyebrow"> Step 4 </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-refinancing.svg" alt=""> </div> <div>Working with your lender</div> </a> </li> <li role="listitem"> <a class="block" href="/refinancing/closing-your-loan" title="Closing your loan"> <div class="eyebrow"> Step 5 </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-refinancing.svg" alt=""> </div> <div>Closing your loan</div> </a> </li> </ul> </div> </div> </div> <div role="menu" class="submenu selling" id="subnav-selling" data-toggler data-animate="slide-in-subnav slide-out-subnav" style="display: none;" tabindex="-1"> <div class="clearfix subnav-icons"> <button class="nav-icon float-left subnav-back" type="button" data-toggle="subnav-selling nav-menu-toggle submenu-wrapper" id="subnav-back-selling"> <svg aria-hidden="true" xmlns="http://www.w3.org/2000/svg" style="margin-left: 0; width:0.875rem; height:1.125rem" viewbox="0 0 30 40"> <g stroke-width="4" fill="none" class="stroke-contrast"> <line x1="2" y1="21" x2="23" y2="4"/> <line x1="2" y1="21" x2="23" y2="38"/> </g> </svg> Back<span class="show-for-sr"> to previous menu</span> </button> </div> <div class="grid-x"> <div class="cell"> <ul role="list" class="menu vertical no-margin-top half-gutter-top gutter-bottom"> <li role="listitem" class="overview-item"> <a class="block" href="/selling" title="Selling"> <div class="eyebrow"></div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-selling.svg" alt=""> </div> <div>Selling Overview</div> </a> </li> <li role="listitem"> <a class="block" href="/selling/working-with-your-agent" title="Working with your agent"> <div class="eyebrow"> Step 1 </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-selling.svg" alt=""> </div> <div>Working with your agent</div> </a> </li> <li role="listitem"> <a class="block" href="/selling/costs-of-selling" title="Costs of selling"> <div class="eyebrow"> Step 2 </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-selling.svg" alt=""> </div> <div>Costs of selling</div> </a> </li> <li role="listitem"> <a class="block" href="/selling/preparing-to-sell-your-home" title="Preparing to sell your home"> <div class="eyebrow"> Step 3 </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-selling.svg" alt=""> </div> <div>Preparing to sell your home</div> </a> </li> <li role="listitem"> <a class="block" href="/selling/negotiating-offers" title="Negotiating offers"> <div class="eyebrow"> Step 4 </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-selling.svg" alt=""> </div> <div>Negotiating offers</div> </a> </li> <li role="listitem"> <a class="block" href="/selling/closing-your-loan-when-selling" title="Closing your loan"> <div class="eyebrow"> Step 5 </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-selling.svg" alt=""> </div> <div>Closing your loan</div> </a> </li> </ul> </div> </div> </div> <div role="menu" class="submenu renting" id="subnav-renting" data-toggler data-animate="slide-in-subnav slide-out-subnav" style="display: none;" tabindex="-1"> <div class="clearfix subnav-icons"> <button class="nav-icon float-left subnav-back" type="button" data-toggle="subnav-renting nav-menu-toggle submenu-wrapper" id="subnav-back-renting"> <svg aria-hidden="true" xmlns="http://www.w3.org/2000/svg" style="margin-left: 0; width:0.875rem; height:1.125rem" viewbox="0 0 30 40"> <g stroke-width="4" fill="none" class="stroke-contrast"> <line x1="2" y1="21" x2="23" y2="4"/> <line x1="2" y1="21" x2="23" y2="38"/> </g> </svg> Back<span class="show-for-sr"> to previous menu</span> </button> </div> <div class="grid-x"> <div class="cell"> <ul role="list" class="menu vertical no-margin-top half-gutter-top gutter-bottom"> <li role="listitem" class="overview-item"> <a class="block" href="/renting" title="Renting"> <div class="eyebrow"></div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-renting.svg" alt=""> </div> <div>Renting Overview</div> </a> </li> <li role="listitem"> <a class="block" href="/renting/what-can-you-afford" title="What can you afford"> <div class="eyebrow"> Step 1 </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-renting.svg" alt=""> </div> <div>What can you afford</div> </a> </li> <li role="listitem"> <a class="block" href="/renting/preparing-to-rent" title="Preparing to rent"> <div class="eyebrow"> Step 2 </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-renting.svg" alt=""> </div> <div>Preparing to rent</div> </a> </li> <li role="listitem"> <a class="block" href="/renting/finding-the-right-rental" title="Finding the right rental"> <div class="eyebrow"> Step 3 </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-renting.svg" alt=""> </div> <div>Finding the right rental</div> </a> </li> <li role="listitem"> <a class="block" href="/renting/applying-for-a-lease" title="Applying for a lease"> <div class="eyebrow"> Step 4 </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-renting.svg" alt=""> </div> <div>Applying for a lease</div> </a> </li> <li role="listitem"> <a class="block" href="/renting/before-you-sign" title="Know before you sign"> <div class="eyebrow"> Step 5 </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-renting.svg" alt=""> </div> <div>Know before you sign</div> </a> </li> </ul> </div> </div> </div> <div role="menu" class="submenu getting-help" id="subnav-getting-help" data-toggler data-animate="slide-in-subnav slide-out-subnav" style="display: none;" tabindex="-1"> <div class="clearfix subnav-icons"> <button class="nav-icon float-left subnav-back" type="button" data-toggle="subnav-getting-help nav-menu-toggle submenu-wrapper" id="subnav-back-getting-help"> <svg aria-hidden="true" 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your mortgage</h1> <p class="lead gutter-bottom">If you’re struggling to make your mortgage payments due to a financial hardship or natural disaster, reach out today and start exploring your options. Help is available.</p> <hr> </div> </div> <div class="large-8 medium-10 medium-centered cell"> <div> <div> <ul class="list-steps position-relative"> <li class="line-holder position-relative"></li> <li class="bottom-pad-large"> <a class="block color-inherit no-decoration" href="/getting-help/assessing-your-situation"> <h3 class="half-gutter-bottom">Assessing your situation</h3> The unexpected challenges of life can make the responsibility of homeownership difficult. Learn how to gauge your financial health and understand warning signs. <div class="arrow-wrapper" aria-hidden="true"> <svg class="animated-arrow" xmlns="http://www.w3.org/2000/svg" style="width:3.4375rem; height:0.625rem" viewbox="0 0 55 10"> <path d="M31 0l8 5-8 5z" class="arrowhead"/> <path class="arrowline" d="M0,4h36v2H0V4z"/> </svg> </div> </a> </li> <li class="bottom-pad-large"> <a class="block color-inherit no-decoration" href="/getting-help/who-to-contact-for-help"> <h3 class="half-gutter-bottom">Reaching out for help</h3> If you’re struggling to make your mortgage payment, there are many resources for assistance and the sooner you reach out the better. <div class="arrow-wrapper" aria-hidden="true"> <svg class="animated-arrow" xmlns="http://www.w3.org/2000/svg" style="width:3.4375rem; height:0.625rem" viewbox="0 0 55 10"> <path d="M31 0l8 5-8 5z" class="arrowhead"/> <path class="arrowline" d="M0,4h36v2H0V4z"/> </svg> </div> </a> </li> <li class="bottom-pad-large"> <a class="block color-inherit no-decoration" href="/getting-help/options-to-stay"> <h3 class="half-gutter-bottom">Understanding options to stay in your home</h3> Whether you’re facing a short- or long-term financial setback, there are workout options that may help you keep your home and avoid foreclosure. <div class="arrow-wrapper" aria-hidden="true"> <svg class="animated-arrow" xmlns="http://www.w3.org/2000/svg" style="width:3.4375rem; height:0.625rem" viewbox="0 0 55 10"> <path d="M31 0l8 5-8 5z" class="arrowhead"/> <path class="arrowline" d="M0,4h36v2H0V4z"/> </svg> </div> </a> </li> <li class="bottom-pad-large"> <a class="block color-inherit no-decoration" href="/getting-help/options-to-leave"> <h3 class="half-gutter-bottom">Understanding options to leave your home</h3> If homeownership is no longer affordable or desirable, there are options to exit your home gracefully – without the financial and emotional impacts of a foreclosure. <div class="arrow-wrapper" aria-hidden="true"> <svg class="animated-arrow" xmlns="http://www.w3.org/2000/svg" style="width:3.4375rem; height:0.625rem" viewbox="0 0 55 10"> <path d="M31 0l8 5-8 5z" class="arrowhead"/> <path class="arrowline" d="M0,4h36v2H0V4z"/> </svg> </div> </a> </li> <li class="bottom-pad-large"> <a class="block color-inherit no-decoration" href="/getting-help/natural-disasters"> <h3 class="half-gutter-bottom">Help after a natural disaster</h3> Picking up the pieces after a hurricane, fire or tornado can be overwhelming. Understand your options and who to turn to for assistance. <div class="arrow-wrapper" aria-hidden="true"> <svg class="animated-arrow" xmlns="http://www.w3.org/2000/svg" style="width:3.4375rem; height:0.625rem" viewbox="0 0 55 10"> <path d="M31 0l8 5-8 5z" class="arrowhead"/> <path class="arrowline" d="M0,4h36v2H0V4z"/> </svg> </div> </a> </li> <li class="bottom-pad-large"> <a class="block color-inherit no-decoration" href="/getting-help/avoiding-fraud"> <h3 class="half-gutter-bottom">Avoid Fraud</h3> Follow these helpful tips to spot fraudulent schemes and protect you and your family from scammers. <div class="arrow-wrapper" aria-hidden="true"> <svg class="animated-arrow" xmlns="http://www.w3.org/2000/svg" style="width:3.4375rem; height:0.625rem" viewbox="0 0 55 10"> <path d="M31 0l8 5-8 5z" class="arrowhead"/> <path class="arrowline" d="M0,4h36v2H0V4z"/> </svg> </div> </a> </li> <li class="bottom-pad-large"> <a class="block color-inherit no-decoration" href="/owning/borrower-notification-letter-faqs"> <h3 class="half-gutter-bottom">Understand the Borrower Notification Letter</h3> Did you receive a Borrower Notification Letter? Learn more about what it is and what you should do next. <div class="arrow-wrapper" aria-hidden="true"> <svg class="animated-arrow" xmlns="http://www.w3.org/2000/svg" style="width:3.4375rem; height:0.625rem" viewbox="0 0 55 10"> <path d="M31 0l8 5-8 5z" class="arrowhead"/> <path class="arrowline" d="M0,4h36v2H0V4z"/> </svg> </div> </a> </li> </ul> </div> <div> <aside class="promo-themed"> <div class="media-object stack-for-small"> <div class="media-object-section align-self-middle media-max-third"> <a class="video-launch video-modal widescreen-video" href="https://youtu.be/2C5BnGEG_wU?si=2EeDBeW6_QyT2Nx2" data-src="https://www.youtube.com/embed/2C5BnGEG_wU?si=cqrwoTEnojFi3pwO" aria-label="open video" data-open="videomodel" aria-controls="videomodel" aria-haspopup="true" tabindex="0"> <img src="/sites/g/files/ynjofi136/files/CPLC-MyHome-272x178_0.jpg" width="272" height="178" alt="man and woman laughing over forms" loading="lazy" /> </a> </div> <div class="media-object-section main-section align-self-middle"> <p>Since losing his home during the 2008 financial crisis, Thomas Rivera dedicated his life to helping families in similar situations. Learn more about how he is helping others through his work as a HUD-certified housing counselor.</p> </div> </div> </aside> </div> </div> </div> </div> </article> </div> <!-- End div class content. --> </div> </div> <footer role="navigation" class="fatfooter hide-for-print"> <div class="footer-top grid-container fluid"> <div class="grid-x"> <div class="cell xlarge-3"> <div class="logo-wrapper"> <!-- TODO?: maybe move hyperlink and logo markup to a block and width to css--> <a href="https://www.freddiemac.com"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/PrimaryLogo.svg" alt="Freddie Mac Home" width="197" height="70" style="width: 12.3125rem; height: 4.375rem;" /> </a> </div> </div> <div class="cell xlarge-9"> <div class="grid-x grid-margin-x"> <div class="cell small-order-3"> <p class="footer-notice">These webpages are for general informational purposes only. 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