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HOMEOWNER Assistance
Coming Soon

SAFHR for Homeowners is coming!

Struggling to pay your mortgage?  MO SAFHR for homeowners is anticipated to open this summer.

Please Note: the moratorium on foreclosures has recently been extended until July 31, 2021.

NEW!  RFP Announcement 1:
Housing counseling and Legal Service Agencies

MHDC is working to quickly launch the SAFHR for Homeowners program this summer.  In the meantime, MHDC is seeking housing counseling agencies and legal service agencies that can help homeowners avoid foreclosure and displacement until the funding is available.  Specifically, MHDC recognizes the need for financial resources for numerous HUD-certified counselors and legal advisors to coach and action plan with homeowners to assist in the prevention or mitigation of foreclosure or displacement.

We ask that you consider and share this opportunity to serve Missouri homeowners in need alongside MHDC.  For more information or to apply, download the RFP below.

NEW!  RFP Announcement 2:
Call Center and Application Processing Services

In preparation for the launch of SAFHR for Homeowners, MHDC is seeking help from companies and non-profit groups able to provide application underwriting and call center services for the program.


The SAFHR for Homeowners Call Center will provide applicant support services. The Application Underwriting/Processing services will involve in-depth application reviews.


Applications are being accepted now. For more information or to apply, download the RFP below.


To be notified when there are changes to the program, or when the program opens for applications, please sign up for our email newsletter.  You may also email us at

For More Information

Until SAFHR for Homeowners opens, consider these options:

Single-family mortgage provisions from the CARES Act require that any federally backed or GSE-backed lender or loan servicer must allow the homeowner to file for forbearance.

Forbearance is when your mortgage servicer or lender allows you to pause or reduce your mortgage payments temporarily due to a hardship. Forbearance does not mean payments are forgiven or erased. Any payment missed during the forbearance period must still be repaid. Before the end of the forbearance, your servicer will contact you about repayment options.

  • For Federally-Backed Loans (HUD/FHA, USDA, VA):

    • Forbearance options are available starting at 3-6 months, beyond an initial forbearance period, there may be options to request and receive extensions.

    • No additional fees, penalties, or interest can be assessed beyond scheduled amounts during forbearance.

    • The deadline for an initial forbearance request for HUD/FHA, USDA, and VA loans is now September 30, 2021.

  • Conventional Loans:

    • For loans backed by GSEs (Freddie Mac and Fannie Mae)

    • For Portfolio or Private Lender loans not backed by government agencies or GSEs:

      • Most services still offer similar forbearance options, as they are generally required to discuss payment relief options, but no direct guidance was provided to these lenders from the CARES Act.

Steps you can take today

1. Understand your mortgage

Relief options are determined by your mortgage type.

2. Contact your loan servicer to learn what is available to you and what documents you need.

Even Federally-backed loans require the process of forbearance to start with the loan servicer, which is the company you submit your payment to each month.


3. Contact your closest Housing Counseling Agency for additional guidance and budgeting. 

Find your nearest HUD certified Housing Counseling Agency here

You can also download a printable list here.

Guidance on forbearance comes at no cost to you!

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