I’m Staring at My Mortgage Bill and My Heart Is Racing – Here’s What Actually Stops Foreclosure When You Have $0 Coming In
I woke up at 3 a.m. sweating because the mortgage company sent the “90-day notice” even though we’re only on day 4 of the shutdown. If you’re feeling that same stomach-drop, listen to me—they legally cannot foreclose on a furloughed federal employee this fast.
Call your lender the second their lines open (most have dedicated “furlough hotlines” right now). Say the words: “Active federal employee affected by lapse in appropriations.” They will flag your file for mandatory forbearance—usually 90–180 days of zero payments, no late fees, no credit reporting.
Fannie Mae, Freddie Mac, FHA, VA, and USDA all issued standing guidance the day the shutdown started: zero payments required for affected feds. I cried on the phone with my servicer and they backdated it to day one.
Credit unions (Navy Federal, PenFed, Andrews) are automatically deferring payments with zero paperwork if you just send them your SF-50 and the furlough letter.
You are not going to lose your house this month. Breathe. I’m breathing with you.
I’m Staring at My Mortgage Bill and My Heart Is Racing – Here’s What Actually Stops Foreclosure When You Have $0 Coming In
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