Mortgages

Whether you’re thinking of buying a home, already have a home loan, or are having trouble paying your mortgage, we have resources to help you every step of the way.

Getting a mortgage

Buying a House: Tools and resources for homebuyers

Whether you’re just thinking about buying a home or about to close, we help you take control of the process.

Maintaining a mortgage

Paying your mortgage is important. We can help you understand how to read your mortgage statement, where to get help if you are struggling to pay your mortgage, and more.

Having trouble paying your mortgage?

If you are having trouble making your mortgage payments, take control by reaching out to your mortgage servicer and a HUD-approved housing counselor.

Get started

Basics

Understand your monthly mortgage statement

The first step to maintaining your mortgage is to pay your mortgage on time, every time. Understanding your monthly mortgage statement will help. Read more

Know why your mortgage payment might change

Your mortgage payment may change for a few reasons – for example, you have an adjustable rate mortgage and the interest rate changed. Read more

Learn what you can do if you have trouble paying your mortgage

Avoid foreclosure and mortgage scams with these four steps. Read more

Key terms

• Automatic payment
• Bi-weekly payment
• Delinquent
• Escrow
• Force-placed insurance
• Forbearance
• Foreclosure
• Loan modification
• Loss mitigation
• Refinance
• Reverse mortgage
• Servicer
• Explore key terms

Are you a professional looking for resources to help others?

• Watch our two-part webinar on housing and the Black Wealth Gap ( Part 1

Understand your situation

Common issues

• You’re having trouble making your monthly mortgage payments
• The company you make your monthly mortgage payments to has changed
• You’re having problems with an escrow account (taxes and insurance)
• Explore common issues

Know your rights

• Your servicer should try to help you find ways to avoid foreclosure
• You have foreclosure protections under state and federal law
• Inherited a home? The servicer should tell you how to prove ownership
• Explore your rights

Take action

How-to guides

• How to find a HUD-approved housing counseling agency
• How to cancel your Private Mortgage Insurance (PMI)
• How to get information or dispute an error about your mortgage
• Explore how-to guides

Get help

If you are having an issue with your mortgage, reach out to a HUD-approved housing counseling agency. Click here to find an agency in your area. You can also call the HOPE™ Hotline.

Submit a complaint

Having trouble with a financial product or service? If you've already tried reaching out to the company and still have an issue, you can submit a complaint. Tell us about your issue—we'll forward it to the company and work to get you a response, generally within 15 days.

About us

We're the Consumer Financial Protection Bureau (CFPB), a U.S. government agency that makes sure banks, lenders, and other financial companies treat you fairly.

Still have a question?

Call us if you still can’t find what you’re looking for.

(855) 411-2372

TTY/TDD: (855) 729-2372

How the CFPB is protecting you

• We’ve updated our mortgage servicing rules to provide greater protections for mortgage borrowers and other homeowners
• CFPB, State Authorities Order Ocwen to Provide $2 Billion in Relief to Homeowners for Servicing Wrongs
• CFPB Takes Action Against Mortgage Payment Company And Servicer For Deceptive Ads