Military Options

If you’re a service member struggling with your mortgage payment, you may qualify for a special military hardship. Additionally, military service members have protection against foreclosure for 12 months following termination of active duty. See our military help in action with this video or read below for details. You can also visit Army OneSource or Military OneSource.

"I'm facing a financial hardship as a service member in active duty; what help is available?"

Military Hardship may be an option if:

  • You've received Permanent Change of Station (PCS) orders
  • You're in active duty service (or just left)
  • You (or your spouse) have been injured in active duty

Military Service Options

There are a variety of mortgage programs that may be available to helpwhether you are looking to stay in your home, or if you need to leave your homeincluding a forbearance program specifically designed for the unique situations faced by the military. Click each link to review the details, benefits and next steps for that specific option or download our “Military Options” flyer.

(Note: Housing counselors and servicers can customize this flyer with their logo and contact information using our Marketing Storefront.)

Options to leave your home:

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.

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FAQ

ANSWERS

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

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GLOSSARY

TERMS

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

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