Beginning of content

Home Affordable Unemployment Program

Help for unemployed homeowners. If you're having difficulty paying your mortgage because of unemployment, this government program may help you temporarily suspend your payments while you're seeking new employment.

Is the Home Affordable Unemployment Program right for me?

Program goal

The goal of the Home Affordable Unemployment Program—or simply, the Unemployment Program—is to give you a period of suspended mortgage payments for up to 12 months while you're looking for work.


You may be eligible for the Unemployment Program if:

You're currently unemployed

You've received unemployment benefits within the past 6 months, or believe you will soon

You're behind on your mortgage payments, or believe you will be soon

You've entered into a permanent loan modification agreement under the Home Affordable Modification Program but are three or more payments past due

You didn't successfully complete your Home Affordable Modification Program trial period

Your mortgage isn't guaranteed by Fannie Mae or Freddie Mac

How do I know?

At this time, Fannie Mae and Freddie Mac aren't participating in this program. To see if your mortgage is owned or guaranteed by them, simply call the toll-free numbers below or use their online lookup tools.

Fannie Mae:

1.800.7FANNIE (8 a.m.-8 p.m. ET) Opens a new window

Freddie Mac:

1.800.FREDDIE (8 a.m.-8 p.m. ET) Opens a new window

Your home loan isn't an FHA or VA loan

How do I know?

FHA loan document

One quick way to check and see if your mortgage may be FHA- or VA-insured is to look at page 2 of your monthly loan statement. On the right hand side of the document under "Loan Type and Term," you'll see the length of the term and the type of loan that our system shows you may have.

If you're having difficulty finding the information, call one of our home retention specialists at 1.800.669.6650 and let them help you determine whether or not your mortgage is an FHA or VA loan.

Your home is your primary residence and you reside in the property

The amount you owe on your first mortgage is equal to or less than:
- $729,750 for a single-family home
- $934,200 for a 2-unit property
- $1,129,250 for a 3-unit property
- $1,403,400 for a 4-unit property

Your current mortgage was taken out on or before January 1, 2009

If you're not eligible, please contact us to discuss other forbearance options that may be available to help you.

Now that I’m in the process, what’s next?

Call us to apply for the Home Affordable Unemployment Program.

When you call us to request help through the Home Affordable Unemployment Program, we'll review your situation over the phone and confirm that you meet the requirements for this program.

Throughout the process, you'll be paired with a Customer Relationship Manager who will answer any questions you may have and help guide you through the steps you'll need to take.

If you choose to participate in the Home Affordable Unemployment Program, your existing application for the Home Affordable Modification Program and your Trial Period Plan will be canceled.

You may re-apply for a Home Affordable Modification once you're re-employed, or once you've completed the Unemployment Program. If you choose to re-apply, your new modification application will be based on your new financial situation and the income documentation you provide at that time.

It's important to note that one or more of the following may occur:

  • You may no longer be eligible for a Home Affordable Modification based on your new financial documentation
  • If you're qualified for a new Home Affordable Modification, your new Trial Period Plan payments may be different than the trial period payments you have now

I've been approved for the Home Affordable Unemployment Program.

If you qualify for the Unemployment Program, your mortgage payments will be suspended for a limited period or until you're re-employed, whichever comes first.

If you're already in the foreclosure process, we won't start or advance foreclosure proceedings while your loan is under review for loan assistance. The evaluation process begins when we receive all documents we've requested from you. No foreclosure sale will be conducted and you won't lose your home during the evaluation.

My forbearance period has come to an end.

You may still need home loan assistance when your Unemployment Program forbearance period ends.

If you find a job while you're enrolled in the Unemployment Program, you'll be considered for Home Affordable Modification Program, which is designed to permanently modify your loan.

If you don't find a job, we'll be in touch with you approximately 30 days before the end of your Unemployment Program forbearance period. We'll consider you for a Home Affordable Modification. If you don't qualify, we'll review your financial information to determine if there are other loan assistance options available to you.

Important: Under the Unemployment Program your payments are suspended, not canceled. This means you'll need to pay back the amount that was suspended. Once you complete the program, normal payments will resume. There's a variety of ways to make repayments:

  • You may make a one-time payment for the full past due amount
  • A repayment plan may be set up, increasing the amount of your monthly mortgage payments until the full past due amount is repaid
  • If you've been approved for the Home Affordable Modification Program after completing your forbearance, the postponed payments won't be due immediately. They'll be incorporated into your modified loan amount.