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Government Foreclosure Prevention Programs
Special workout options are available to you if your mortgage is owned or insured by Fannie Mae, Freddie Mac, the Federal Housing Administration (FHA), the Veterans Administration (VA), or the Rural Housing Service (RHS). Read the articles below to learn if you can take advantage of one of the foreclosure prevention programs for these kinds of loans. Also, learn about the different types of government help that’s potentially available if you’re the victim of a natural disaster.
Programs for Government-Backed Mortgages
Programs for Government-Backed Mortgages
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Help for Homeowners With FHA Loans
If you have an FHA-insured loan and are struggling to make mortgage payments, HUD has programs to help you avoid foreclosure.
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Is an FHA Loan Foreclosure Different Than Other Foreclosures?
If you have an FHA loan, you’re entitled to a special loss mitigation process to help you avoid a foreclosure. But the foreclosure itself isn’t any different.
Government Help After a Natural Disaster
Government Help After a Natural Disaster
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Foreclosure of SBA Disaster Loans
If you get an SBA disaster loan and put up your home or other real estate as collateral for the debt, you might lose the property to a foreclosure if you later default.
Foreclosure Relief During the COVID-19 Pandemic
Foreclosure Relief During the COVID-19 Pandemic
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What Is the Deadline to Get a CARES Act Forbearance?
The deadline to get a CARES Act forbearance depends on what kind of loan and property you have.
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Getting a Payment Deferral After a COVID-19 Forbearance
If you’ve put off making your mortgage payments with a coronavirus-related forbearance, you might be able to delay repaying the skipped amounts.
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Federal and State Foreclosure Relief, Suspensions, and Moratoriums During the Coronavirus Crisis
Learn what relief, like a moratorium, might be available if you're facing a foreclosure during the coronavirus outbreak.
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Get Mortgage Relief From Your State’s Homeowner Assistance Fund Program
You might be eligible to get free money from the government to pay your mortgage and other housing-related costs through your state’s Homeowner Assistance Fund program.
Programs for Veterans
Programs for Veterans
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Help for Veterans Struggling With Mortgage Payments
If you are a veteran and are struggling to make your mortgage payments, you may be able to refinance with a VA streamline refinance loan or refund the loan with the VA.
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Is a VA Loan Foreclosure Different Than Other Foreclosures?
If you have a VA-guaranteed loan, the foreclosure process is the same as for other types of loans—but the servicer has to give you every opportunity to avoid foreclosure.
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