Mortgage Assistance Options

We understand that unexpected financial issues can make it hard for you to pay your mortgage. If you're facing financial hardship, we can help with short-term and long-term program options that can help you get back on track.

Short-term options

If you're facing temporary hardship, we can help with short-term relief options until things improve.

Repayment plan

A repayment plan could help you catch up on mortgage payments if you've fallen behind because of temporary financial problems.

Learn more about repayment plans

Deferment and forbearance

Deferment, also called forbearance, can help give you time to get back on your feet.

See if deferment is right for you

Mortgage extension

An extension may help bring your account up to date if you are behind on 1 or 2 mortgage payments.

Find out more about mortgage extensions

Long-term options

If your financial problems last more than a few months, there are long-term programs that can help you stay in your home and catch up on your payments.

Home Affordable Modification Program (HAMP)

You could qualify for a more affordable mortgage during long-term financial hardship through the Home Affordable Modification Program (HAMP).

CMLinkTag returned null for contentId:mortgage_hamp, appId:USCBOL

Home Affordable Unemployment Plan (UP)

Step-by-step guidance, organization tips and information on assistance programs can help you manage your financial hardship.

CMLinkTag returned null for contentId:mortgage_haup, appId:USCBOL

Need mortgage help?

Share Your Screen With A Phone Representative

During your call, you may be asked to share your screen for a faster, more efficient experience. If you agree, the phone representative you're speaking with will give you a Service Code to enter below.

If you need assistance from a Citi representative, contact us via chat or phone