Newtools.cira.state.tx.us



JUDGE DOUGLAS ZWIENER

Justice of the Peace, Precinct One

1305 E. Blue Bell Rd

Suite 114

Brenham, Texas 77833

WASHINGTON COUNTY

Brenham, Texas

Phone Number:

(979) 277-6260

Fax Number:

(979) 277-6296

MORTGAGE ASSISTANCE

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COVID-19 INFORMATION AND RESOURCES

|​FHFA is closely monitoring the coronavirus national emergency’s effect on the housing finance market and continues to update | |

|policies and guidance to ensure its regulated entities – Fannie Mae, Freddie Mac (the Enterprises), and the Federal Home Loan|  |

|Banks (FHLBanks) – are fulfilling their mission of providing market liquidity during this difficult time. |​On this page: |

|We have gathered resources and information below, including the latest actions by FHFA, that provide guidance for lenders, | |

|servicers and others who directly assist homeowners and renters adversely impacted by COVID-19. | |

|​​As a financial regulator, FHFA is not able to offer direct assistance or field individual inquiries from renters, landlords, |Help for Homeowners |

|or borrowers. FHFA encourages anyone facing economic hardship as a result of COVID-19 to immediately contact their landlord |Help for Renters |

|or mortgage servicer (the company they send their mortgage payments to), to see if they qualify for payment relief. |Fraud Prevention |

|If you’re concerned about how to pay your mortgage or rent due to COVID-19, visit housing for information on what to|Industry Resources |

|do now, and what your options are for mortgage and rent payment relief. ​ ​ |FHFA Announcements |

| |Enterprise Resources |

| |FHLBank Member Resources |

| |Recent News |

| |Other Government Resources |

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Help For Homeowners

|If your ability to pay your mortgage is impacted, and your loan is owned by Fannie Mae |  |

|or Freddie Mac (use the "loan lookup" |5 steps to ask for mortgage forbearance due to the |

|tools:  for Fannie Mae |Coronavirus |

|or  for Freddie Mac to find out), you may be | |

|eligible to delay making your monthly mortgage payments for a temporary period, during | |

|which: | |

|You won’t incur late fees.  | |

|Foreclosure and other legal proceedings will be suspended         | |

Contact your mortgage servicer (the company where you send your monthly payments) as soon as possible to let them know about your current circumstances. The telephone number and mailing address of your mortgage servicer should be listed on your monthly mortgage statement. 

If you have trouble catching up at the end of this temporary relief period, additional assistance may be available. You are not required to repay missed payments all at once. 

• If you are unable to repay your missed payments all at once and can afford to pay a higher monthly mortgage payment for a period of time, you may be eligible for a repayment plan which allows you to repay past due amounts over a period of time.

• If you can afford to resume your monthly mortgage payment you may be eligible for a payment deferral which puts your missed mortgage payments and puts them into a payment due at the sale, or refinancing of the home, or the end of the loan.

• If you have a sustained reduction in income and are unable to afford your regular monthly mortgage payment, you may be eligible for a loan modification which changes the terms of your loan to enable an affordable payment.

Servicers will reach out to you about 30 days before your forbearance plan is scheduled to end to determine which assistance program is best for you at that time. Work with your servicer to determine which option you are eligible for.

Help For Renters

Renters living in a property financed by Fannie Mae or Freddie Mac (use the "loan lookup" tools for Fannie Mae here or Freddie Mac here to find out) are covered by a temporary eviction moratorium. Renters are still expected to pay their rent during the eviction moratorium period, if they can. Those experiencing financial hardship should reach out to their landlord to discuss their situation and potential solutions. 

You also have access to their respective Disaster Response Networks. These networks offer support from HUD-approved housing counselors, such as a personalized recovery assessment and action plan, financial coaching and budgeting, and ongoing check-ins. Contact your property manager to see if you are eligible. Fannie Mae’s renter hotline number is 1-877-542-9723 and Freddie Mac’s renter hotline number is 1-800-404-3097.

Learn More

See Frequently Asked Questions about Enterprise assistance options for homeowners and renters impacted by COVID-19 or Information for Tenants in Rental Properties With a Fannie Mae or Freddie Mac Mortgage.

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