Keystone Alliance Mortgage understands that the current health situation has created some difficult time and circumstances for mortgage borrowers. The COVID-19 emergency has caused a financial crisis for families and businesses that have had to shut down.

We want to help be a part of the solution and created this as a resource for you to assist you with whatever your particular circumstance may be.

Here are a few things you as a borrower should know:

• Homeowners who are adversely impacted by this national emergency may request mortgage assistance by contacting their mortgage service
• Foreclosure sales and evictions of borrowers are suspended for 60 days
• Homeowners impacted by this national emergency are eligible for a forbearance plan to reduce or suspend their mortgage payments for up to 12 months
• Credit bureau reporting of past-due payments of borrowers in a forbearance plan as a result of hardships attributable to this national emergency is suspended
• Homeowners in a forbearance plan will not incur late fees
• After forbearance, a servicer must work with the borrower on a permanent plan to help maintain or reduce monthly payment amounts as necessary, including a loan modification

Fannie Mae also offers help navigating the broader financial effects of this national emergency to homeowners with a Fannie Mae-owned mortgage through its Disaster Response Network*, including:

• A needs assessment and personalized recovery plan
• Help requesting financial relief from insurance, servicers, and other sources
• Web resources and ongoing guidance from experienced disaster relief advisors

Fannie Mae COVID-19 Response Page

Visit: https://multifamily.fanniemae.com/multifamily-covid-19

Freddie Mac COVID-19 Response Page

Visit: http://www.freddiemac.com/about/covid-19.html

FHA Resource Center

For a list of HUD-approved housing counselors, visit: www.hud.gov or call 800-569-4287

Department of Veteran Affairs

Veterans who have questions regarding their home loans should contact VA’s home loan program toll free number, 877-827-3702, to speak with a Loan Technician.

Visit: https://www.va.gov/

The Consumer Finance Protection Bureau

The Consumer Finance Protection Bureau (CFPB) is committed to providing consumers with up-to-date information and resources to protect and manage their finances during this difficult time as the situation evolves.

Visit: https://www.consumerfinance.gov/coronavirus/

Fannie Mae Disaster Response Network

Homeowners can find out if they have a Fannie Mae-owned mortgage and access to the Disaster Response Network

Visit: www.KnowYourOptions.com/loanlookup

To contact Fannie Mae directly call: 1-800-2FANNIE or visit: www.knowyouroptions.com/covid19assistance

Scam Prevention and Assistance

If you feel like someone may be attempting to scam you or that you already may have been a victim you can contact Justice Disaster Fraud Hotline by calling: 866-720-5721