Late Mtg. Policy/All Loans

Detail on requirements found for the Federal Housing Finance Agency (FHFA), Fannie Mae, Freddie Mac, Federal Housing Authority (FHA), Veterans Administration (VA) and United States Department of Agriculture (USDA) loans are found on separate tabs below. Guidelines shown are actual loan type guidelines.


However, be aware that your lender may also have additional guidelines of their own, or separate servicer or mortgage insurance guidelines.

Also, most lenders participate in the Making Home Affordable program. A Home Affordable Foreclosure Alternatives (HAFA) Eligibility Matrix can be found for each of the participating lenders at:  that details specific lender guidelines.

MHA HAFA Elig scsht