The COVID-19 Coronavirus has had a huge impact on our daily lives. And whether you’ve been economically impacted, or are just trying to plan ahead, we stand ready to help. As governmental and mortgage industry solutions for consumers who have suffered financial harm are developed and evolve, we are dedicated to doing everything we can to provide those solutions and meet your mortgage needs.


If you have been impacted by the coronavirus and are not able to make your regular mortgage payment, please contact us at 888-469-0810 to discuss options that may be available to you. If your mortgage is “federally-backed,” meaning it has been sold to Fannie Mae or Freddie Mac, or is insured or guaranteed by the FHA, VA, or USDA – you are eligible for an immediate forbearance plan if the coronavirus pandemic has negatively impacted your financial situation, even if you are already delinquent on your loan. We can help determine if your loan is federally-backed.

Forbearance means that for a limited period of time, you do not have to make your regular mortgage payment. Forbearance under the CARES Act is available for federally-backed mortgages for a period of up to 180 days, which can later be extended for up to another 180 days or can be shortened, if necessary. To obtain a forbearance, you simply need to contact us and attest to the fact of your coronavirus impact, and will not be required to provide additional documentation.

After Forbearance

At the end of any forbearance period you may be granted, we can help you transition back to a payment schedule that is appropriate for your situation, from among the options available for your loan program. Unless you are able to do so, you will not be required to repay forborne payments in a lump sum immediately after the forbearance ends. Depending on your loan program and loan owner, your other options for payment of the amount due may include a repayment plan, payment deferral, or modification of the loan including its payment amount and/or remaining term.

Fees, Interest, Penalties and Credit Reporting during Forbearance

During a period of forbearance, no fees, penalties, or interest will be charged beyond the amounts that you would be charged if you made all of the payments on time. Additionally, if your account was current before going into forbearance, you will not be reported as delinquent to credit repositories while in forbearance.


Except with respect to a vacant or abandoned property, no foreclosures will be initiated, no foreclosure judgments sought, and no foreclosure related evictions or sales executed on covered loans during the period of any CARES foreclosure moratorium, or any foreclosure moratorium required by other federal, state or other investor requirements.

See our Coronavirus FAQ for more details. UPDATED

Please be patient as we are experiencing longer than usual hold times due to increased call volumes as we help our customers during this difficult time. If possible, we encourage you to take advantage of our online resources to avoid delays.

For additional information on Coronavirus mortgage relief options you can visit the Consumer Financial Protection Bureau website: