For Homeowners• For Businesses Apply Now Login Affected by COVID-19? We're here to help We are facing an unprecedented time in our country, and around the world, with the spread of COVID-19. We recognize this is a stressful time for you and your family, and that you may need assistance from Homepoint. Our mission is to create financially healthy homeowners and we are here to support and guide you as the situation continues to evolve. Managing your mortgage during COVID-19 If you are facing financial difficulty and have trouble paying your mortgage, 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. Mortgage options at a glance If you haven't missed a payment on your mortgage yet, your options include: Refinance Cash-out Refinance Forbearance If your payment is more than 30 days past due, your options include: Forbearance Payment Deferral Programs Short-term Repayment Plan Loan Modification View our payment guide to learn more about your options What you need to know Simple language Benefits and drawbacks Read now Getting started Talk to us Talk through your payment options with us. Demand for relief is high, so you may experience longer than average wait times. Call (800) 686-2404 Start a refinance to save on monthly mortgage payments. Submit an online application, or speak with your broker or a Homepoint Loan Officer at(866) 586-0619. Start an online app Request a forbearance plan to extend payment due dates. Learn more about forbearance and whether you are eligible for the program. You’ll be able to apply online through our onlinepayment portal. Learn more to get started Already late on payments? Call us now to talk about your options at (800) 686-2404. Already have a forbearance payment plan? View our latest guide on repayment options after enrolling in a COVID-19 forbearance plan. Read now Homeownership Counseling Information Housing Counselor Information: The Federal government provides contact information for housing counselors, which you can access via the Consumer Financial Protection Bureau or Department of Housing and Urban Development (HUD) or by calling (800) 569–4287. State Specific Homeownership Support State specific homeownership support may be available in your area. Please click here to see a list of states offering support. Homeowner Assistance Fund (HAF) The American Rescue Plan Act of 2021 established the Homeowner Assistance Fund (HAF) in the U.S. Department of the Treasury in order to provide financial assistance to eligible homeowners who have suffered financial hardships during the COVID-19 National Emergency. Qualified expenses may include mortgage payment assistance, mortgage reinstatement, utilities, insurance, and other housing-related costs. If you are experiencing financial distress these additional resources may be available through your state. More information on HAF is available at U.S. Department of the Treasury and National Council of State Housing Agencies. Frequently Asked Questions COVID-19 CARES Act Relief Can I skip a mortgage payment because I have been financially affected by COVID-19? What documentation do I need to show that I am impacted financially by COVID-19? How long can I be in a forbearance program? What does the AW on my credit report mean, and is it affecting my credit score? What happens when my forbearance plan ends? CARES Act Forbearance How do I find out who owns, guarantees or insures my loan? What is a forbearance? Am I required to make up all the payments at the end of the forbearance? Do I have to opt for a 180-day plan initially if I expect my hardship to be for a shorter duration? How do I apply and set up my forbearance? Will my autopay plan (ACH) be automatically suspended if I am approved for a forbearance? Will my taxes and insurance still get paid during the forbearance plan? Can I still make payments during a forbearance plan? What happens if I need longer than my initial forbearance plan? Could I face foreclosure during forbearance? Can I cancel or shorten my forbearance plan? CARES Act Forbearance versus Deferment What is a deferment? Other companies are offering deferments, why aren’t you? COVID-19 Credit Reporting How will my credit be impacted if my loan is placed on a forbearance plan? What happens to my credit if I extend my forbearance? I'm in active forbearance, but my credit report is showing that the balance of my loan increased. Why? My credit report is showing that my account is deferred. Why is that, and is it affecting my credit score? CARES Act Post-forbearance Plan Options I have an FHA (Federal Housing Administration) loan. What potential options are available to me at the end of my forbearance besides reinstatement or a repayment plan? I have a Fannie Mae or Freddie Mac loan. What potential options are available to me at the end of my forbearance besides reinstatement or a repayment plan? I have a VA (Veteran’s Administration) loan. What potential options are available to me at the end of my forbearance besides reinstatement or a repayment plan? I have a USDA (United States Department of Agriculture) loan. What potential options are available to me at the end of my forbearance besides reinstatement or a repayment plan? How do I set up one of these options or find out which options I qualify for? What does a complete mortgage assistance application consist of and where can I download a copy of the application? Additional Resources 2211 Old Earhart Road, Suite 250 Ann Arbor, MI 48105 Toll Free: (800) 686-2404 wecare@homepointfinancial.com NMLS# 7706 nmlsconsumeraccess.org Trouble paying your mortgage? Impacted by a natural disaster? Why Homepoint Products & Services Learning Center Help Center Forms & Documents Loan Number Lookup About Us Careers Press Contact Us Investor Relations State Licenses Privacy Policy Terms of Service Disclaimer CCPA Privacy Notice Apply Now Home Point Financial Corporation d/b/a Homepoint. NMLS No.7706 (For licensing information, go to: www.nmlsconsumeraccess.org). Home Point Financial Corporation does not conduct business under the name, “Homepoint” in KY, LA, MD, NY, or WY. In these states, the company conducts business under the full legal name, Home Point Financial Corporation. 2211 Old Earhart Road, Suite 250, Ann Arbor, MI 48105. Toll-Free Tel: (888) 616-6866. For Licensing and Disclaimers visit www.homepointfinancial.com/about-us/licenses. This site is not authorized by the New York State Department of Financial Services. No mortgage solicitation activity or loan applications for properties located in the State of New York can be facilitated through this site.