Homeowners with Fannie Mae loans  who are struggling to pay their mortgage can receive free mortgage assistance and counseling from a Fannie Mae Mortgage Help Center.
The Mortgage Help Centers are located nationwide and are staffed by experienced housing advisors who can help homeowners understand their options to avoid foreclosure. But you don’t have to physically visit a Mortgage Help Center to get help—we’ll work with you over the phone or through email. And help from Fannie Mae is always FREE.
Mortgage Help Center locations and contact information  are available on this website. Use the Loan Lookup tool  to confirm that your loan is owned by Fannie Mae and request an appointment with a Center near you.
Once you’ve requested an appointment, a Mortgage Help Center representative will contact you and send the forms you’ll need to return prior to your appointment. If you have difficulty completing these forms, you can call the Mortgage Help Center for assistance—contact information will be on the paperwork you receive or refer back to this website.
The representative will set up your first appointment (usually within a week of your request). At this appointment, your advisor will review your paperwork and ask questions about your situation. This information is used to complete the package that will be submitted to your mortgage company. Your file will be reviewed for all workout options by your mortgage company.
The type of assistance offered, if any, will depend on your specific situation but can range from options like a repayment plan  (allowing you to bring your mortgage current) or a modification  (to potentially reduce your monthly mortgage payment) to options allowing for an orderly transition from your home through a short sale  or deed-in-lieu  (Mortgage Release).
The important thing to note is that your Fannie Mae advisor will stay involved throughout the process to communicate with your mortgage company and make sure you understand your options and next steps.
So, if you’re struggling to pay your mortgage and your loan is owned by Fannie Mae , help is just a click or call away. Take action today!