Get Help with Your Mortgage
Options may be available to help you make your mortgage payments more affordable or to avoid foreclosure. To help determine which mortgage relief option may be right for you, follow along with us and answer a few important questions.
Learn more about mortgage relief options for service members.
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This tool is provided as a convenience for borrowers. Freddie Mac makes no representation, warranty, or guarantee regarding the results and does not guarantee that you will qualify for any specific mortgage option suggested or described. Contact your mortgage servicer to verify whether suggested options are available to you.
Are you current on your mortgage payments?
Yes No
You have indicated you are current on your mortgage payments.
Do you owe more on your home than it is currently worth?
Many refer to this as being "underwater" or "upside down" on your mortgage. This is when the balance you owe your lender exceeds the current market value of your home.
Yes No
You have indicated you are not current on your mortgage payments.
Are you behind on your mortgage payments as a result of a short-term financial setback or a longer-term, permanent hardship?
Short-term hardships can include recent unemployment or a reduction in income – typically lasting less than 6 months. Long-term hardships can include a permanent disability or serious illness, death of a borrower, and divorce.
Short-term Long-term
You have indicated you owe more than your home is currently worth.
Are you experiencing a short-term financial setback or a longer-term, permanent hardship?
Short-term hardships can include recent unemployment or a reduction in income – typically lasting less than 6 months. Long-term hardships can include a permanent disability or serious illness, death of a borrower, and divorce.
No Short-term Long-term
You have indicated you do not owe more than your home is currently worth.
Are you experiencing a short-term financial setback or a longer-term, permanent hardship?
Short-term hardships can include recent unemployment or a reduction in income – typically lasting less than 6 months. Long-term hardships can include a permanent disability or serious illness, death of a borrower, and divorce.
No Short-term Long-term
You have indicated you are behind on your mortgage payments as a result of a long-term, permanent hardship.
Are you looking for options to help you stay in your home? Or are you looking for options to help you avoid foreclosure and exit your home gracefully?
If you would like to stay in your home, options may be available to help make your payments more affordable. Alternatively, if homeownership is no longer affordable and you do not qualify for a modification or similar alternative, there are options available to help you "exit gracefully" and avoid the financial and emotional impacts of foreclosure.
Stay in Home Exit Gracefully
