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Missouri Mortgage Relief Information

SAFHR for Homeowners is coming!

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


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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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