For Homeowners
For Businesses
Homeowner Login

Trouble paying your mortgage?

Find ways to manage payments during and after your hardships.

If you're facing financial difficulty and having trouble paying your mortgage, we can work with you to find the right payment option for your circumstances to help you get back on your feet.

Available programs when facing financial difficulties

Available programs when facing financial difficulties

Read more

How to get started

Call us for free consultation

Talk through your payment options with us at 800-686-2404. Already behind on payment? We can still discuss options.

Call (800) 686-2404
Start a refinance

Submit an online application, or speak with your broker or a Homepoint loan officer at 866-586-0619.

Start an online app
Apply for mortgage assistance

To determine your eligibility for mortgage assistance, please complete and return this application package.

Start application

Still have have questions?

Here are the answers to some of our most frequently asked questions.

If you can't find the answer online, call us at (800) 686-2404.

It is important to know that Homepoint doesn’t own your loan, we are the servicer on your loan. This means we are responsible for collecting your payments, managing escrow accounts for property taxes and insurance, communicating loan information, and doing what we can to ensure you can stay in your home. We want to work with you to the find the best solution for your circumstance.

Please know that we are limited to offering the payment options set by the owners of your loan, which are the major mortgage investors like Fannie Mae®, Freddie Mac® or guarantors like Ginnie Mae®. If your loan was insured or guaranteed by the FHA, VA or USDA, they also have guidelines for payment options.

It is important to know that Homepoint doesn’t own your loan, we are the servicer on your loan. This means we are responsible for collecting your payments, managing escrow accounts for property taxes and insurance, communicating loan information, and doing what we can to ensure you can stay in your home. We want to work with you to find the best solution for your circumstance.

To check if your loan is owned by Fannie Mae, use the Fannie Mae Loan Lookup Tool

To check if your loan is owned by Freddie Mac, use the Freddie Mac Loan Lookup Tool

We will be as transparent as possible with you about your options if you are facing financial difficulty and have trouble paying your mortgage. This includes doing our best to educate you on the benefits and drawbacks of each payment alternative and its impact on your financial health.

  • If you’re current on your mortgage your options may include:
    • Refinance
    • Cash-out refinance
    • Forbearance
  • If you’re past due on your mortgage and want to retain your property your options may include:
    • Forbearance
    • Payment deferral
    • Repayment plan
    • Loan modification
  • If you're past due on your mortgage and no longer want to retain your property your options may include:
    • Forbearance
    • Payment deferral
    • Repayment plan
    • Loan modification

To learn more about these options, please review our “Trouble Paying Your Mortgage Guide”

If you are facing financial hardship and would like to talk through your options, please give us a call at (800) 686-2404. One of our payment specialists will work with you to advise you on your options.

If you’re interested in refinancing, you can reach out to your loan officer or call 866-586-0619. You can also start the process at apply.homepoint.com.

If your circumstances dictate that you need to submit a complete mortgage assistance application, you can find the application here, which provides all of the forms that will need to be completed and outlines the documentation you’ll need to submit.

Need counseling?

If you need further counseling, you can call the Homeowner’s HOPE™ hotline at 888.995.HOPE (4673). The hotline offers free HUD-certified counseling services.

Note: The program guidelines and features shown here are not comprehensive and reflect only the broadest terms and conditions. When you apply for assistance, Homepoint can help you determine the full range of programs that may be available to you. If you have a financial hardship related to COVID-19, please see the COVID-19 Payment Options Guide for more detailed information regarding specific programs that may be available.