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Missouri Mortgage Relief Information

SAFHR for Homeowners is coming!

Struggling to pay your mortgage?  MO SAFHR for homeowners is pending US Treasury approval, and is anticipated to open this winter.  Sign up for alerts, or explore options for immediate assistance 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

Get Assistance Now

If you're behind on your mortgage, there are options available to you now.  Until SAFHR for Homeowners launches, you can inquire with your loan servicer about forbearance, and/or engage with a mortgage assistance counseling agency (MAC) to understand your options.

First, know that relief options are determined by your mortgage type: conventional or federally-backed.


The CARES Act's single-family mortgage provisions require that any federally backed or GSE-backed lender or loan servicer must allow the homeowner to file for forbearance.  Receiving guidance on forbearance comes at no cost to you!

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.

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

  • 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.

Mortgage Assistance Counseling (MAC)

MHDC has created a program to prevent homeowner mortgage delinquencies, defaults, foreclosures, and displacements of homeowners experience hardships since January 2020.


Homeowners can find a Mortgage Assistance Counseling agency, at no cost to the homeowner, that can help assist in mitigating foreclosure or displacement before SAFHR for Homeowners launches.  MAC will also assist homeowners in applying for SAFHR when the program opens.

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