Homeowners: Update on Government Assistance

Homeowner Opening Door

According to the National Fair Housing Alliance, the September 30, 2021 deadline to request an initial forbearance has been lifted for VA, FHA and USDA loans.    The new deadline to request an initial CARES Act Forbearance is until the National Emergency is ended. 

On federally-backed single family mortgage loans, if impacted by the COVID-19 National Emergency, borrowers may request their first six-month payment forbearance and request a six-month extended forbearance. 

On FHA mortgages, if you requested the initial forbearance between July 1, 2021 and September 30, 2021, you are permitted a total of 12 months forbearance.  No COVID-19 forbearance may extend beyond six months after the later of:  the end of the COVID-19 National Emergency or September 30, 2022.

On VA loans, it is expected that the COVID-related forbearances will end not later than September 30, 2022.  Servicers may continue offering loan deferment as one of their COVID-19 home-retention options. https://benefits.va.gov/homeloans/cares-act-frequently-asked-questions.asp.  Contact them at (877) 827-3702 or [email protected].

As to USDA loans, contact them at [email protected] or (202) 720-1452 if you can benefit.  Note its chart from https://content.govdelivery.com/accounts/USDARD/bulletins/2f4e2e1

Initial Forbearance Date

Initial Forbearance Period

Additional Forbearance Period

Forbearance Extensions

Maximum Forbearance Period

March 1, 2020 – June 30, 2020

Up to 6 months

Up to 6 months

Up to 6 months (in 3-month increments)

Up to 18 months

July 1, 2020 – Sept 30, 2020

Up to 6 months

Up to 6 months

Up to 3 months

Up to 15 months

Oct. 1, 2020 – Expiration of National Emergency

Up to 6 months

Up to 6 months


Up to 12 months


Homeowners:  find out what type of mortgage you have.  Do not assume anything.  Just because the form states on the bottom left “Fannie Mae or Freddie Mac” is not telling.

  1. Go online to see if your loan is owned/guaranteed by
  2. Fannie Mae: https://www.knowyouroptions.com/loanlookup
  3. Freddie Mac: https://loanlookup.freddiemac.com/


  1. Go online to see if MERS (Mortgage Electronic Registration Systems) indicates the owner/guarantor
    1. https://www.mers-servicerid.org/sis/


  1. You can also write to the mortgage servicer to ask who is the owner of your mortgage loan, using the address listed on the back of your monthly statement for “qualified written requests, notices of error, requests for information”. A lawyer versed in this area of the law has specific letters that can be used as templates but you have to be careful about the details and send them by certified mail, return receipt requested while also mailing by regular U.S.P.S. mail.

If we can be of assistance, call Attorney Deborah L. Mack, JD/MBA and Attorney Aimee R. Kline at Ohio Financial Lawyers LLC at (419) 884-4600 or through [email protected].

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