In the wake of natural disasters, we’re here for you.

Homepoint will suppress late fees and negative credit reporting if Individual Assistance is provided by FEMA in your zip code following a disaster declaration. This suspension will continue until the expiration of the declaration.

A Disaster Declaration is a formal statement by a jurisdiction that a disaster or emergency exceeds the response and/or recovery capabilities of the jurisdiction. A declaration may be made after a disaster, or if a disaster is found to be imminent.

A disaster declaration provides a wide range of federal assistance programs for individuals and public infrastructure, including funds for both emergency and permanent work.

The Federal Emergency Management Agency (FEMA) is the federal agency responsible for leading the Nation's efforts to prepare for, protect and mitigate against, respond to, and recover from the impacts of natural disasters and man-made incidents or terrorist events. FEMA is responsible to responding to declared disasters. (source: https://www.fema.gov/)

There are two types of assistance offered by FEMA following a disaster declaration: Individual and Public. When the declaration is public, FEMA offers general assistance to the municipality. When FEMA declares Individual Assistance, individuals can apply for FEMA assistance. Homepoint suppresses credit and late fees when the disaster is declared for individual assistance. Learn more at FEMA website.

If it is apparent that a Presidential disaster declaration may be necessary to assist in the recovery of the impacted area, the State or Native tribal government will contact their FEMA Regional Office and request a joint Federal, State/Tribal Preliminary Damage Assessment (PDA).

Together, the team will conduct a thorough assessment of the impacted area to determine:

• The extent of the disaster
• Its impact on individuals and public facilities
• The types of federal assistance that may be needed

This information is included to show that the disaster is of such severity and magnitude that effective response is beyond the capabilities of the State and the affected local governments or the Native tribal government and that supplemental federal assistance is necessary. Learn more at FEMA website

Homepoint suppresses credit and late fees when the disaster is declared by FEMA for individual assistance.

If the impacts of a disaster are going to impact your ability to make ongoing payments, please reach out to us for assistance options you may be eligible for, including suspending your mortgage payments short-term or other payment assistance options.

Call the Homepoint Disaster Assistance Team at (855) 998-3056.

Learn more at this page.

If you are facing financial difficulty and have trouble paying your mortgage following a disaster, 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.

Please reach out to us for assistance options you may be eligible for, including suspending your mortgage payments short-term or other payment assistance options.

Call the Homepoint Disaster Assistance Team at (855) 998-3056.

Learn more at this page.

When you receive the settlement check, you’ll notice that our name, Homepoint or “Home Point Financial,” is on the check. This is because we have a financial interest in making sure your home is repaired. Call our Loss Draft Team when you get the check, and we will walk you through next steps. For minor damages, if your loan is current, we won’t need to oversee the repair process and we’ll endorse the insurance check for you to manage the repairs. If there is significant damage to your home, Homepoint may need to monitor repairs to your home. You can contact the Loss Draft Team at (833) 888-6807.