<aside> 💡 This page is for anyone who is a homeowner and has questions regarding mortgage, the CARES Act, or how they are impacted by COVID-19.

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<aside> 🚨 If you have specific issues you're looking for answers to, check our list below to help guide your search:

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• Cannot make your mortgage payment and have a federally backed mortgage? Visit section 2.
• Cannot make your mortgage payment and do not have a federally backed mortgage? Visit section 3.
• Have a mortgage servicer in the state of California? Visit this section.
• Entered forbearance but unsure what to do next? Visit section 4 and section 5.
• Unsure on what forbearance is and how it may impact you? Visit sections 1, section 6, and section 7.
• Unintentionally placed in forbearance and not sure what to do? Visit section 8.

1. What is Forbearance?

According to the US Consumer Finance Protection Bureau:

"Forbearance is ...

when your mortgage servicer, that’s the company that sends your mortgage statement and manages your loan, or lender allows you to pause or reduce your payments for a limited period of time."

**Note: Forbearance does NOT erase what you owe; you still have to repay any missed/reduced payments later on in the future.

1a. Find out if your mortgage is federally backed:

If your mortgage is by any of the following agencies or entities, you have a federal government backed loan, making you eligible for the CARES Act:

• U.S. Department of Agriculture
• Federal Housing Administration (FHA)
• U.S. Department of Veterans Affairs (VA)
• Fannie Mae
• Freddie Mac