How do I know if my mortgage is backed by Fannie Mae or Freddie Mac?
http://www.makinghomeaffordable.gov/get-assistance/loan-look-up/Pages/default.aspx

Helpful websites:
Making Home Affordable (MHA) (http://www.makinghomeaffordable.gov/pages/default.aspx )
Fannie Mae Homeowner Help (http://knowyouroptions.com/)
Tennessee’s Hardest Hit Program (https://www.keepmytnhome.org/)
HOPE Loan Portal (https://www.hopeloanportal.org/)

Other options to explore:
Reinstatement – paying the amount needed to bring your loan current.
Payoff – paying the amount needed to pay off your loan in full.
Repayment plan – paying the amounts past due on your mortgage in a monthly payment play while resuming your regularly scheduled payments.
Loan modifications – changing one or more of the terms of your loan making it more affordable for you.
Short sale – selling your home to a third party for less than you currently owe to avoid foreclosure.
Deed in lieu – giving the deed to your property back to your lender reducing or canceling your mortgage debt and avoiding foreclosure.

You may also wish to contact your lender/servicer’s loss mitigation or home retention department.  You may email us at This e-mail address is being protected from spambots. You need JavaScript enabled to view it to request the servicer’s contact information or call us at 901-767-5566, option 5 then 3.

This is provided for informational purposes only.  It is not intended to provide legal advice.  For more information, please contact your counsel, your servicer and/or any one of the entities identified in the above websites for additional information.