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Affected by COVID-19?
We're here to help

We are facing an unprecedented time in our country, and around the world, with the spread of COVID-19. We recognize this is a stressful time for you and your family, and that you may need assistance from Homepoint. Our mission is to create financially healthy homeowners and we are here to support and guide you as the situation continues to evolve.

Managing your mortgage during COVID-19

If you are facing financial difficulty and have trouble paying your mortgage, we will work with you to find the right payment option for your circumstances. None of the options provide permanent payment forgiveness but they will help you manage your payments during and after your hardship.

Mortgage options at a glance

If you haven't missed a payment on your mortgage yet, your options include:
  • Refinance
  • Cash-out Refinance
  • Forbearance
If your payment is more than 30 days past due, your options include:
  • Forbearance
  • Payment Deferral Programs
  • Short-term Repayment Plan
  • Loan Modification

View our payment guide to learn more about your options

  • What you need to know
  • Simple language
  • Benefits and drawbacks
Payment guide Document preview

Getting started

Talk to us

Talk through your payment options with us. Demand for relief is high, so you may experience longer than average wait times.

Call (800) 686-2404
Start a refinance

to save on monthly mortgage payments. Submit an online application, or speak with your broker or a Homepoint Loan Officer at(866) 586-0619.

Start an online app
Request a forbearance plan

to extend payment due dates. Learn more about forbearance and whether you are eligible for the program. You’ll be able to apply online through our onlinepayment portal.

Learn more to get started

Already late on payments? Call us now to talk about your options at (800) 686-2404.

Already have a forbearance payment plan?

View our latest guide on repayment options after enrolling in a COVID-19 forbearance plan.

Read now
Forbearance document preview

Homeowner Assistance Fund (HAF)

The American Rescue Plan Act of 2021 established the Homeowner Assistance Fund (HAF) in the U.S. Department of the Treasury in order to provide financial assistance to eligible homeowners who have suffered financial hardships during the COVID-19 National Emergency. Qualified expenses may include mortgage payment assistance, mortgage reinstatement, utilities, insurance, and other housing-related costs. If you are experiencing financial distress these additional resources may be available through your state. More information on HAF is available at U.S. Department of the Treasury and National Council of State Housing Agencies.

Homeownership Counseling Information

Housing Counselor Information: The Federal government provides contact information for housing counselors, which you can access via the Consumer Financial Protection Bureau or Department of Housing and Urban Development (HUD) or by calling (800) 569–4287.

State Specific Homeownership Support

State specific homeownership support may be available in your area. Please click here to see a list of states offering support.

Frequently Asked Questions

COVID-19 CARES Act Relief

CARES Act Forbearance

CARES Act Forbearance versus Deferment

COVID-19 Credit Reporting

CARES Act Post-forbearance Plan Options

Additional Resources