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Our Guide to Help With Your Mortgage

When it comes to homeowner fears, falling behind on mortgage payments is pretty high on the list. This is true under normal circumstances, let alone during a pandemic when millions are out of work due to closures and quarantines.

If your mortgage anxiety is rising, the first thing you can do is take a long, deep breath. It may be difficult, but try not to panic. Keep is here to help you through these trying times. We’re hunkered down and taking it day-by-day right along with you.

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Worried About Your Mortgage? The First Steps to Take in a Crisis

When it comes to expenses, shelter and food should be the priority. Here is a list of steps to take to handle your mortgage in a crisis, and resources available for those who are worried they may soon fall behind on payments, or already have.

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Loss Mitigation Explained: Mortgage Relief Options in a Crisis

Mortgage relief options (technically referred to as “loss mitigation”), including forbearance, repayment plans, and loan modifications, are available to help borrowers catch up on their mortgage payments or avoid falling further behind. Loan servicers will determine whether a borrower’s financial hardship is short- or long-term and will offer options accordingly.



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In a Jam? Maybe a Housing Counselor Can Help

Turns out, finding an advocate to help you through a new process, whether it’s baking or buying a house, can mean the difference between being a contestant on “The Great British Bake Off” or ending up on “Nailed It.”

But while there are plenty of food shows to help your amateur chef skills, knowing where to find support during the homebuying and homeowning process is not as common. We assure you, though, support is out there!

Here’s how to get help from a housing counselor.

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Be Aware, Homeowners: How to Spot a Mortgage Relief Scam

Scam artists are predators — always ready to pounce when we are the most vulnerable. They offer to help and then run off with your money. Rude!

Unfortunately, homeowners are a favorite target for scams and there’s a whole industry directed at those who fall behind on mortgage payments.

Here’s how to spot a mortgage relief scam — and what to do about it.

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Emergency Mortgage Assistance for Veterans

Veterans, how can we sufficiently thank you and your families for the sacrifices you make? At Keep, we feel that helping you successfully buy and maintain a home is the least we can do.

If you’re a veteran, an active duty service member, a surviving spouse of a deceased veteran or reservist, you can receive help if you’re struggling to pay your mortgage during times of emergency.

Our guide to mortgage assistance for veterans has you covered.

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A Quick Guide to FHA COVID-19 Forbearance Options

Feeling confused about your Federal Housing Administration (FHA) loan?

The federal CARES Act allows homeowners with FHA-insured loans, like other types of loans, to receive a forbearance. But the FHA has gone a step further with its relief efforts by offering both a COVID-19 forbearance plan and a partial claim specific to the emergency.

Confused? We’re here to clear things up! Visit our breakdown of FHA mortgage relief options.

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The Lowdown on Lump Sums: Catching up after Forbearance

With so many people out of work due to COVID-19, more than 4 million homeowners requested a forbearance to put their mortgage payments on hold for at least a few months. 

However, a forbearance is a pause in your payments, not a removal of them. You’ll need to catch up on what you missed. 

In some cases, the amount is due in a “lump-sum” payment. Lump sums may sound a little intimidating, but depending on who owns your loan, you may not be asked to pay one. 

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Can a COVID-19 Forbearance Impact My Credit Report?

More than 4 million homeowners requested a forbearance to pause their mortgage payments for at least a few months while they navigate financial hardship during COVID-19.

But all the talk of mortgage relief has left a lingering question in homeowners’ minds: “Will a forbearance affect my credit score?

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Deferrals: Adding Missed Mortgage Payments to the End of Your Loan

If you received a COVID-19 forbearance and are exploring options to catch up on your missed payments, there’s a new program you may want to make note of. 

As of July 1, 2020, borrowers with Freddie Mac and Fannie Mae loans now have access to what’s called a mortgage payment “deferral.” It’s a form of loss mitigation to help you get back on track with your mortgage after you received a forbearance.

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My Mortgage Forbearance is Ending … What’s Next?

If you received a mortgage forbearance, you may be confused about what happens next.   

It’s good that you’re asking questions. Conversations with your mortgage company are coming up that you’ll want to prepare for.

We looked into the options to help you determine the best course of action after your forbearance ends.