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You don’t have to face financial uncertainty alone

Managing Financial Uncertainty

Financial uncertainty is always stressful, whether it’s a short-term setback or a long-term change. Regardless of the reason, assistance is available — for both homeowners and renters — to help get you through the difficult period and on the path to a more stable future.

Help for homeowners 

If you’re dealing with financial uncertainty and are concerned about making your mortgage payments, there are options and resources to help. Click through the three key actions below to see some steps you can take now to get back on track.

Call mortgage company

Call your mortgage company

Your mortgage servicer — the company you make your monthly mortgage payments to — can help you identify relief options that may be right for your situation. If you don’t know who your servicer is, you can usually find it listed in the top-left corner of your mortgage statement.

Tips for talking to your servicer

Prepare for the call with your mortgage company by reviewing these tips ahead of time.

Avoiding foreclosure

Nobody wants to experience foreclosure. Fortunately, there are options available to help struggling homeowners avoid foreclosure.

Mortgage assistance myths

You may have heard some inaccurate information about applying for and receiving mortgage assistance. We’re setting the record straight and debunking the most common myths here.

Contact a counselor

Contact a housing counselor

Knowledgeable housing counselors are available to speak with you at no cost. They will help you understand your options and create a personalized action plan.

Call 855-HERE2HELP to talk to a counselor today

Fannie Mae provides access to HUD-approved housing counselors. Call or make an appointment now.

How housing counseling can help you

Experienced, HUD-approved housing counselors can help you with budgeting and debt challenges, protecting your credit, avoiding foreclosure, and more. Counseling is available in multiple languages and at no cost to you.

5 questions to ask a housing counselor

Speaking one-on-one with a housing counselor is a great opportunity to get answers and explanations, so be sure to make a list of questions ahead of time. Here are five to get you started.

Understand relief options

Understand mortgage relief options

There are options that can allow you to stay in your home or decide to leave — without facing foreclosure. Your mortgage company will talk through your options, but it can help to have a basic understanding before you call.

Options to stay in your home

Learn about mortgage options that may allow you to stay in your home, while avoiding foreclosure and potentially making your monthly payments more manageable.

Options to leave your home

If you decide staying in your home is no longer affordable or practical for you, there are mortgage options that can help you avoid foreclosure as you gracefully move on.

Understand the impact

It’s important to understand how mortgage relief could affect your financial future, including the impact on your credit score and changes to your loan terms.

Call your mortgage company

Your mortgage servicer — the company you make your monthly mortgage payments to — can help you identify relief options that may be right for your situation. If you don’t know who your servicer is, you can usually find it listed in the top-left corner of your mortgage statement.

Tips for talking to your servicer

Prepare for the call with your mortgage company by reviewing these tips ahead of time.

Avoiding foreclosure

Nobody wants to experience foreclosure. Fortunately, there are options available to help struggling homeowners avoid foreclosure.

Mortgage assistance myths

You may have heard some inaccurate information about applying for and receiving mortgage assistance. We’re setting the record straight and debunking the most common myths here.

Contact a housing counselor

Knowledgeable housing counselors are available to speak with you at no cost. They will help you understand your options and create a personalized action plan.

Call 855-HERE2HELP to talk to a counselor today

Fannie Mae provides access to HUD-approved housing counselors. Call or make an appointment now.

How housing counseling can help you

Experienced, HUD-approved housing counselors can help you with budgeting and debt challenges, protecting your credit, avoiding foreclosure, and more. Counseling is available in multiple languages and at no cost to you.

5 questions to ask a housing counselor

Speaking one-on-one with a housing counselor is a great opportunity to get answers and explanations, so be sure to make a list of questions ahead of time. Here are five to get you started.

Understand mortgage relief options

There are options that can allow you to stay in your home or decide to leave — without facing foreclosure. Your mortgage company will talk through your options, but it can help to have a basic understanding before you call.

Options to stay in your home

Learn about mortgage options that may allow you to stay in your home, while avoiding foreclosure and potentially making your monthly payments more manageable.

Options to leave your home

If you decide staying in your home is no longer affordable or practical for you, there are mortgage options that can help you avoid foreclosure as you gracefully move on.

Understand the impact

It’s important to understand how mortgage relief could affect your financial future, including the impact on your credit score and changes to your loan terms.

Financial support is available for those impacted by COVID

Helpful calculators and tools for homeowners

Use our calculators, tools, and other resources to explore, prepare, and make more informed decisions.

Help for renters 

Before making decisions during times of financial uncertainty, it’s important to understand your rights as a renter. Then you can discuss the possibility of different financial arrangements with your landlord or seek other assistance to help pay your rent. Housing counselors are also available at no cost to discuss your options.

Contact a counselor

Contact a housing counselor

Knowledgeable housing counselors are available to speak with you at no cost. They will help you understand your options and create a personalized action plan.

Call 855-HERE2HELP to talk to a counselor today

Fannie Mae provides access to HUD-approved housing counselors. Call or make an appointment now.

How a housing counselor can help you

Housing counselors can help you with budgeting and debt challenges, protecting your credit, and more. Counseling is available in multiple languages and comes at no cost to you.

5 questions to ask a housing counselor

Speaking one-on-one with a housing counselor is a great opportunity to get answers and explanations, so be sure to make a list of questions ahead of time. Here are five to get you started.

Talk to your landlord

Talk to your landlord

Depending on your rental situation, your landlord or property owner may be willing to make accommodations to help you get through a challenging financial period.

Tips for talking to your landlord

Review these tips before talking to your landlord about your financial situation.

Understand your rights

Understand your renter rights

As a renter, you have rights, and you should know what they are before making decisions. Depending on your circumstances, you may have certain protections and privileges to help you manage financial uncertainty.

Get to know your renter rights

If you’re facing eviction, it’s important that you understand your protections.

Find assistance

Find rental assistance

If you’re having difficulty paying your rent, there may be financial assistance available — including federal and local programs focused on affordable rental housing. Each program has different benefits and eligibility requirements, so explore the options to see what may work for you.

How to find the rental assistance you need

If you’re struggling to pay rent or meet housing costs, there are rental assistance resources available.

Contact a housing counselor

Knowledgeable housing counselors are available to speak with you at no cost. They will help you understand your options and create a personalized action plan.

Call 855-HERE2HELP to talk to a counselor today

Fannie Mae provides access to HUD-approved housing counselors. Call or make an appointment now.

How a housing counselor can help you

Housing counselors can help you with budgeting and debt challenges, protecting your credit, and more. Counseling is available in multiple languages and comes at no cost to you.

5 questions to ask a housing counselor

Speaking one-on-one with a housing counselor is a great opportunity to get answers and explanations, so be sure to make a list of questions ahead of time. Here are five to get you started.

Talk to your landlord

Depending on your rental situation, your landlord or property owner may be willing to make accommodations to help you get through a challenging financial period.

Tips for talking to your landlord

Review these tips before talking to your landlord about your financial situation.

Understand your renter rights

As a renter, you have rights, and you should know what they are before making decisions. Depending on your circumstances, you may have certain protections and privileges to help you manage financial uncertainty.

Get to know your renter rights

If you’re facing eviction, it’s important that you understand your protections.

Find rental assistance

If you’re having difficulty paying your rent, there may be financial assistance available — including federal and local programs focused on affordable rental housing. Each program has different benefits and eligibility requirements, so explore the options to see what may work for you.

How to find the rental assistance you need

If you’re struggling to pay rent or meet housing costs, there are rental assistance resources available.

Have you been impacted by a disaster?