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The uncertainty of the economic climate has put many homeowners into a situation where they cannot pay their mortgage during the pandemic. Many businesses have been forced to lay off employees, leaving some homeowners unable to pay their mortgage or rent at this time.

To ease the financial strain, many federal agencies and private lenders are offering help to people having trouble paying their mortgages. As well, FannieMae, FreddieMac, and HUD have all suspended foreclosures during the pandemic.

If you’re having trouble paying your mortgage due to job loss or illness related to the coronavirus, assistance may be available.

We’ve gathered info for you from a range of lenders and offer some helpful advice for what you need to know.

Who owns your mortgage?
Before you can determine if you’re eligible for mortgage relief, you need to know who owns your home loan. Keep in mind that this might be different from the company you send your payments to (this is your servicer).

Many mortgages are owned by government-sponsored entities Fannie Mae and Freddie Mac. To find out if your mortgage is owned by one of these, simply go to ‘s or Freddie Mac ‘s lookup pages and enter your name, address and last four digits of your Social Security number.

If you don’t find your mortgage there, you’ll need to contact your mortgage servicer. In many cases, you can simply call the company listed on your monthly mortgage statement. The phone number should also be listed.

If you’re still unsure who owns your loan, you can send a written request to your loan servicer. It’s legally obligated to tell you the name, address and telephone number of the loan’s actual owner. The Consumer Financial Protection Bureau offers a sample letter you can send .

Federal mortgage debt relief
If your loan is owned by Fannie or Freddie, your mortgage servicer is required to evaluate you for a forbearance plan of up to 12 months if you’ve run into financial difficulty due to COVID-19, such as job loss, reduction in work hours or illness. The servicer is not required to obtain documents demonstrating your hardship.

Forbearance allows you to temporarily pause or reduce your mortgage payments during a period of financial difficulty. You pay the difference at a later date.

Under the FHFA’s coronavirus relief plan , your servicer is required to work with you on a mortgage modification by the time your forbearance period is over so that you can afford your new monthly payments. It also must suspend foreclosures and evictions through at least mid-May.

If your loan is owned by Fannie Mae, you can contact your loan servicer or the enterprise’s Disaster Response Network for individual attention. Freddie Mac asks borrowers to contact their loan servicer directly for help.

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Private mortgage lender relief programs
If your mortgage isn’t owned by Fannie Mae or Freddie Mac, there still might be some relief available.

Keep in mind that your bank or other initial mortgage lender may have sold off your loan at some point after it was originated. So just because you took out a mortgage through one company doesn’t mean it currently owns your loan. Your monthly mortgage statement will show you who to contact.

Below is a list of private mortgage lenders and info on assistance they’re offering, along with eligibility requirements. We’ll continue to update this list as we gather new information.

It’s important to note that some states and local governments have enacted moratoriums on evictions and foreclosures, which would apply even if your specific lender or servicer isn’t offering relief measures. Check your state and local government websites to see if a moratorium has been enacted where you live.

Ally Bank
What it’s offering: Ally Bank’s mortgage service support is now available every day to help customers who are facing difficulty. The bank has suspended foreclosure and eviction proceedings through July 30 and is offering forbearance plans of up to 120 days with no late fees – though interest will continue to accrue.

Eligibility: You’ll need to contact Ally to determine the assistance you’re eligible for. Support by phone is available, but the bank recommends you apply for help online to avoid long wait times.

Bank of America
What it’s offering: Bank of America has a COVID-19 resource page that directs customers to the right support line to request help. If you’re a Bank of America mortgage customer, you can ask to delay your monthly payments and add the amount you delay to the end of your loan. No negative information is reported to credit bureaus. Bank of America has also paused foreclosure sales, evictions and repossessions.

Eligibility: While the pause on foreclosure sales, evictions and repossessions applies to all borrowers, Bank of America doesn’t give specifics on how to qualify for other relief. Call 1-800-669-6607 for more information.

What it’s offering: Chase recommends that you keep paying your mortgage if you’re able to do so – but the lender says customers should reach out if they need help by calling 1-800-848-9380, or by logging into their online accounts and sending a secure message.

Eligibility: The lender doesn’t specify what relief might be available or how to qualify. It does say that members of the military who have been activated to respond to the coronavirus situation should call Chase’s military services hotline at 1-877-469-0110 to see what additional benefits might be available.

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What it’s offering: Citi is offering a slate of mortgage assistance programs through its servicing company, Cenlar FSB. The bank does not specify what relief is being offered.

Eligibility: If you’re a Citi mortgage customer, contact Cenlar FSB at 1-855-839-6253 to see if you’re eligible for assistance.

Fifth Third Bank
What it’s offering: Fifth-Third Bank is offering 180-day forbearance plans. And while interest will still accrue during forbearance, there won’t be any late fees. The bank has also suspended foreclosure activity for 60 days.

Eligibility: You’ll need to contact Fifth Third to see if you’re eligible for assistance. You can do so by calling the bank at 1-866-601-6391 or sending a secure message through the bank’s online portal.

Flagstar Bank
What it’s offering: Flagstar Bank is offering automatic six-month forbearance plans for mortgage customers impacted by COVID-19. (Though take note that the bank doesn’t say whether interest will accrue during that time.) The bank is also waiving late fees for certain customers and has suspended foreclosures and evictions through May 31.

Eligibility: You can request a forbearance with Flagstar online .

What it’s offering: HSBC says it’s offering assistance to mortgage customers impacted by COVID-19, but doesn’t specify what relief might be available.

Eligibility: You’ll need to call the bank at 1-855-806-4657 to discuss your situation and eligibility requirements.

What it’s offering: LoanDepot is offering assistance if you’ve become ill or have been financially affected by office or school closures, quarantine, job loss or reduction in work hours due to the coronavirus pandemic. The lender does not specify what relief is available.

Eligibility: If your loan is serviced by LoanDepot, you’ll need to call 1-877-420-4526 to see if you’re eligible for assistance.

What it’s offering: On its site, PNC claims it’s considering waiving or refunding some mortgage fees right now for customers who are having trouble making payments. The lender also calls out other programs that may be available for mortgage customers facing financial hardship right now, including postponing payments.

Eligibility: While it doesn’t list specific eligibility requirements, PNC has a website set up to help you if you’re facing financial difficulty. It includes phone numbers to call and a hardship assistance application to fill out.

Quicken Loans
What it’s offering: Quicken Loans is offering forbearance up to three months for customers experiencing job loss, illness or lost work opportunities while caring for a family member as a result of the coronavirus pandemic. At the end of the forbearance period, you’ll be able to pay with a lump sum, repayment plan or loan modification that finances the deferred amount – or you can request to extend the forbearance.

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Eligibility: You can apply for assistance through your online Rocket Mortgage account.

TD Bank
What it’s offering: TD Bank is offering to defer payments and waive late fees for customers affected by the coronavirus.

Eligibility: You’ll need to call 1-800-742-2651 to see if you’re eligible.

What it’s offering: Truist is offering forbearance plans of 90 days or more for mortgage customers of both its predecessor banks, BB&T and SunTrust. If that isn’t enough to help, Truist may consider you for loan modifications.

Eligibility: You’ll need to call the bank to see what you’re eligible for. Legacy SunTrust customers should call 1-800-443-1032 and legacy BB&T customers should call 1-800-827-3722.

U.S. Bank
What it’s offering: U.S. Bank is offering forbearance plans of up to 180 days if you’re facing financial hardship due to the pandemic. If your financial problems last longer than that, the bank is pledging to work with you on an extended assistance plan, repayment plan or loan modification.

Eligibility: To see if you’re eligible, you’ll need to call 1-800-365-7900. When you do, make sure to be prepared with the following:

An explanation of your situation
A list of your household expenses
Proof of your household income
Wells Fargo
What it’s offering: Wells Fargo is offering to suspend mortgage payments for three months for customers hit by financial difficulties related to COVID-19. Once the suspension period is over, Wells Fargo will work with you to see if you need a longer suspension or loan modification, or if you can move the payments to the end of the loan.

Eligibility: To see if you’re eligible for assistance, sign into your online banking account and send a note through the secure message center. Wells Fargo says a bank representative will get back to you within three to five days.

Other lenders
This list doesn’t cover every mortgage lender and servicer. If you don’t see yours, that doesn’t mean help isn’t available.

If you’re worried about your ability to make mortgage payments right now and aren’t sure what your lender is doing to help, we recommend checking your lender’s website or calling its customer service number to discuss your options, including forbearance or other payment deferrals. You should also check with your state and local government authorities to see if evictions and foreclosures are suspended in your area.