Who to Contact for Help
Are you behind on your monthly bills, including your mortgage payment? If so, you're not alone – and help is available. Resources include:
- Your Mortgage Lender
- Freddie Mac Borrower Help Centers
- Housing Counselors
- HFA Mortgage Assistance Programs (and the Hardest Hit FundSM)
- Other trusted sources for help
Looking for mortgage relief but not sure which option is right for you? Our interactive Mortgage Help Navigator will assess your current situation and steer you in the right direction.
Your Mortgage Lender
Call your lender – the company to which you make your mortgage payments – immediately if you are having difficulty paying your mortgage on time. Your mortgage lender may have options to help you make your payments more affordable or to avoid foreclosure. The telephone number and mailing address of your mortgage lender should be listed on your monthly statement and coupon book. Learn how to prepare for your conversation with your lender.
- Your lender should be able to tell you if Freddie Mac owns your mortgage. If your loan is owned by Freddie Mac, you are eligible to be considered for the Home Affordable Refinance Program (HARP), Home Affordable Modification Program (HAMP), and other options offered by the federal Making Home Affordable program. Use our self-service look-up tool to see if we own your mortgage.
- If Freddie Mac does not own your mortgage, contact Fannie Mae at FannieMae.com or 1-800-7Fannie to see if they own your loan.
- If neither Freddie Mac nor Fannie Mae owns your loan, ask your lender if they participate in the federal Making Home Affordable Program that offers HARP, HAMP, and other alternatives. If so, they can help you determine your eligibility.
- If you are not eligible for the federal HAMP or HARP options, don't give up! Ask your lender about other options to make your payments more affordable or to avoid foreclosure.
If you are a homeowner with a Freddie Mac-owned mortgage and you are behind on your monthly bills (including your mortgage), free, confidential financial counseling assistance is available. Choose either in-person assistance through a local Freddie Mac Borrower Help Center in your area, or call our national Borrower Help Network participant.
HUD-approved counselors will work with you to:
- Provide free, confidential financial counseling;
- Review your current income and expenses and provide options to your financial challenges; and
- Assess your options for avoiding foreclosure.
There is no obligation for you to take any action after your financial counseling session.
Does Freddie Mac own your loan? Click here to find out.
Free, in-person help is available at the following locations:
Latin United Community Housing Association (LUCHA)
1152 North Christiana Avenue
Chicago, Illinois 60651
773-489-8484 – phone
Neighborhood Housing Services of Chicago
1279 North Milwaukee Avenue, 4th Floor
Chicago, Illinois 60622
773-329-4243 – phone
NID-Housing Counseling Agency
16835 Livernois Avenue
Detroit, Michigan 48221
313-915-5911 – phone (local)
844-716-5389 – phone (toll-free)
New York State
Center for NYC Neighborhoods*
855-HOME-456 – phone
* Free assistance, either in person or by phone, will be offered by a nonprofit affiliate of the Center for NYC Neighborhoods. Call the Center and ask for the name of the member organization nearest you.
Washington, DC, Metropolitan Area
6200 Baltimore Avenue
Riverdale, Maryland 20737
301-891-4606 – phone (English)
301-891-4607 – phone (Spanish)
1223 SW 4th Street
Miami, Florida 33135
888-669-0379 – phone
D&E, A Financial Education and Training Institute, Inc.
4532 Jonesboro Road
Forest Park, Georgia 30297
877-790-1831 – phone
InCharge Debt Solutions*
5750 Major Boulevard
Orlando, Florida 32819
877-300-4179 – phone
*In-person assistance by appointment only. Call to schedule.
Urban League of Broward County
Community Empowerment Center
560 NW 27th Avenue
Fort Lauderdale, Florida 33311
888-884-9386 – phone
Chicanos Por La Causa
1402 South Central Avenue
Phoenix, Arizona 85003
602-253-0838 – phone
Neighborhood Housing Services of Phoenix
1405 East McDowell Road
Phoenix, Arizona 85006
602-258-1659 – phone
Chicanos Por La Causa
Las Vegas, Nevada 89121
702-207-1614 – phone
Neighborhood Partnership Housing Services (NPHS)
320 West G Street
Ontario, California 91762
909-988-5979 – phone
West Angeles Community Development Corporation
6028 Crenshaw Boulevard
Los Angeles, California 90043
855-543-3440 – phone
Free phone assistance is available through our national Freddie Mac Borrower Help Network if you do not have a Borrower Help Center near you:
This organization offers in-person assistance (by appointment only) if you live nearby:
InCharge Debt Solutions
877-300-4179 – phone
Housing counselors can help you contact and work with your lender to get help with your mortgage, and also provide budget and credit advice. Regardless of who owns your mortgage, housing counselors are available to assist you free of charge.
- Call the U.S. Department of Housing & Urban Development (HUD) at (800) 569-4287 or visit its web site for a list of approved foreclosure-prevention counseling services in your area that you can visit in-person or talk to over the phone.
- Call the Homeowners HOPETM hotline at (888) 995-HOPE to reach trained housing counselors – available 24 hours a day, seven days a week – who can provide advice and help you develop a plan.
- Attend a foreclosure-prevention workshop sponsored by a community-based organization in your area.
HFA Mortgage Assistance Programs
In 2010, the federal government created the Hardest Hit FundSM to help state Housing Finance Agencies (HFAs) provide financial assistance to homeowners in states hit hardest by the housing crisis and economic downturn. Programs that are supported by the Hardest Hit Fund vary by state – as do requirements for eligibility – and may include:
- Mortgage payment assistance if you are unemployed or underemployed
- Mortgage reinstatement programs to help you get current on your mortgage
- Modification assistance to help you secure a more affordable mortgage
- Assistance to help you transition into more affordable housing
To see if your state received Hardest Hit Funds, and if so whether you may qualify for financial assistance through your state’s Hardest Hit Fund, visit the web site and reach out to your state’s HFA for more information.
Other Trusted Sources for Help
Your lender wants to help you and should be your first call for assistance. However, if you still have questions or need additional guidance after talking to your lender, you may contact a Freddie Mac representative at 800-373-3343 and selecting option #2.
Additionally, the following organizations can help you find local counseling services that provide holistic financial counseling, from financial education to foreclosure prevention.
- National Coalition for Asian Pacific American Community Development
- National Council of La Raza
- National Urban League
Tools and Resources
- Mortgage Help Navigator
- CreditSmart® Online Training
- Get the Facts on Foreclosure
- Working with Your Lender
- Avoiding Foreclosure
- Getting Back on Track After Foreclosure
Refinance with HARP
HARP is helping millions refinance into today's low interest rates – even with little or no equity.
Get the Facts on Foreclosure Video
Get the Facts on foreclosure: Video series dispels five of the most common myths about foreclosure.
Attend a Foreclosure-Prevention Workshop
Attend a foreclosure-prevention workshop in your area and receive free, in-person advice.