Military Forbearance

If you’re facing a financial hardship due to injury (or injury of a spouse) in active duty or have been affected by a call-up of the National Guard or other state-supported military unit, a military forbearance may be an option. See our military help in action with this video or read below for more details. You can also go to our Military Resources page for more information on military assistance.

"I'm in the military, and need help for just
a few months
."

Military Forbearance may be an option if:

  • You are ineligible or do not want to refinance
  • You are facing a financial hardship due to either an injury (or injury of a spouse) in active duty
  • You are facing a financial hardship due to a call-up of the National Guard or other state-supported military unit (i.e., individuals who rent their properties to a service member; reservists who are on part-time active duty; or individuals who receive a substantial portion of their mortgage payment from a service member)
  • You need temporary payment relief
  • You are behind on your mortgage payments

What is a Military Forbearance?

A forbearance is an agreement between you and your mortgage company to temporarily suspend or reduce your monthly mortgage payments during the forbearance period (which can continue for the entire term of your active duty and for another three months after you're released). This option lets you deal with your short-term financial problems by giving you time to get back on your feet and bring your mortgage current.

With a military forbearance, you may qualify for additional benefits such as a longer forbearance period with no adverse impact to your credit score (all credit reporting related to your mortgage loan will be suspended during the forbearance period). 

Forbearance Calculator
Use this tool to estimate how a forbearance might help you.

What are the benefits?

  • Lower or temporarily suspend your monthly payment for up to 6 months—giving you time to improve your financial situation and get back on your feet
  • No adverse credit reporting (related to your mortgage loan) during the forbearance period
  • Stay in your home and avoid foreclosure

Forbearance Calculator
Use this tool to estimate how a forbearance might help you.

How does it work?

A military forbearance reduces your monthly mortgage payment—or suspends it completely—during the forbearance period (which can continue for the entire term of your active duty and for another three months after you're released). If you qualify for forbearance, you and your mortgage company will sign an agreement that will outline the forbearance terms:

  • length of forbearance period,
  • reduced payment amount (if the payment is not suspended), and
  • the terms of repayment.

After the forbearance period has ended, you will need to repay the amount that was reduced or suspended. However, you usually have a few ways you can repay—moving the payments to the end of your mortgage, which will lengthen the term; making a one-time payment for the amount; or adding a specific amount to your payments each month until the entire amount is repaid (see Repayment Plan for more information).

If you are still struggling with your mortgage payments after the forbearance period is over, you may be able to qualify for a modification that would permanently change the terms of your mortgage.

Forbearance Calculator
Use this tool to estimate how a forbearance might help you.

Next steps

Step 1

Contact a Fannie Mae Mortgage Help Center—If your loan is owned by Fannie Mae, you can meet directly with an experienced housing advisor (either by phone or in person) to discuss your mortgage situation and options available to service members. Click here to confirm you have a Fannie Mae loan and request your appointment.

Step 2

Gather your financial information—You’ll need:

  • your mortgage statements, including information on a second mortgage (if applicable);
  • your other monthly debt payments (e.g., car or student loans, credit card payments); and
  • your income details (paystubs and income tax returns).

Step 3

Contact the Fannie Mae Military Support Hotline—If you need additional information or want to speak with someone right away, call 877-MIL-4566 (877-645-4566) and tell them you are in the military. Be ready to outline your current hardship and explain why you are having trouble making your mortgage payment and if this is a short-term or long-term problem. Our representatives can provide you with additional guidance about mortgage assistance programs.

Use these helpful forms to help you prepare

BEWARE

SCAMS

Learn how to identify and avoid scam artists who promise immediate relief from foreclosure.

FIND OUT MORE

FAQ

ANSWERS

Find the answers to common questions concerning your mortgage and the various options to avoid foreclosure.

FIND OUT MORE

GLOSSARY

TERMS

Visit our glossary of key terms to increase your understanding of the foreclosure options available.

FIND OUT MORE