Mortgage Help Resource Center
Since the housing crisis began, we've helped over 910,000 struggling borrowers avoid foreclosure and 1.2 million families refinance through HARP.
Mortgage Help: Understanding Your Options
There are many options available to help you make your mortgage payments more affordable or to avoid foreclosure. Remember that neither Freddie Mac nor your bank wants your home – we want to work with you and keep you in your home.
Freddie Mac does not work directly with consumers to get mortgages or provide mortgage relief options; however, we have developed many helpful tools for you to use in your discussions with your lender.
Working with Your Lender
Your lender is your biggest ally if you are struggling with your mortgage payments and the sooner you contact them, the more likely they can help. When you reach out, it is important that you are well prepared and know what to expect.
Who to Contact for Help
If you've fallen behind on your mortgage payments or are currently struggling to make them on time, there are several trusted sources who will help you understand your options to avoid foreclosure and provide free financial counseling.
As mortgage fraud has become increasingly common during the housing crisis, be sure to educate and protect yourself by learning how to identify and report mortgage fraud.
Tools and Resources
- Mortgage Help Navigator
- CreditSmart® Online Training
- Get the Facts on Foreclosure
- Working with Your Lender
- Find a HARP Lender
- Hardest Hit FundSM
- Getting Back on Track After Foreclosure