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Fannie Mae is here to help its Single-Family partners and their customers

Fannie Mae has reliable tools and resources to guide you through the financial challenges borrowers may experience. We are here to help you offer immediate and long-term relief to struggling homeowners and renters.


We help mortgage servicers manage and meet regulatory and legal obligations as well as ensure that safeguards are set in place for homeowners amid unforeseen financial challenges. Fannie Mae’s mortgage forbearance is available for homeowners experiencing financial hardships. A forbearance plan can either reduce or suspend payments for a certain period without late fees. Mortgage repayment options become available once the forbearance period ends.

Servicer Highlights

Options after forbearance

Fannie Mae provides several financial relief options to help homeowners repay missed payments at the end of their mortgage forbearance plan.

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Resolved hardship matrix

Our financial hardship matrix supports your discussions with homeowners about eligibility and financial relief and shows a structured path to repayment.

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Flex Modification

Find out what adjustments can be made to a homeowner’s loan terms to make their monthly payments more affordable.

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Payment Deferral

Homeowners who resolved a temporary financial hardship may be eligible for a payment deferral.

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SMDUI UI Payment Deferral Options User Guide

Get help and quick step-by-step support to process a payment deferral in Fannie Mae's Servicing Management Default Underwriter (SMDU). Note: Fannie Mae credentials are required to access.

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In addition to the resources outlined in the forbearance, after forbearance and payment deferral sections above, you will find these other resources helpful. You can find more training resources on our Learning Center page. It’s your one-stop destination for reliable education, training, and tools to support you in today’s ever-changing servicing landscape.

Default Management Scenarios Take a deeper look at all default management scenarios including forbearance and repayment plans, bankruptcy and foreclosure processes.  
Homeowner Retention Options Help homeowners reman in in their homes.  Look at the details involved in each option to help determine the best solution for your borrower.
Loss Mitigation Overview Get a high-level overview of loss mitigation processes to help support customer conversations and interactions.
SMDU UI eLearning Series Get the latest training resources on Service Default Management Underwriter including job aids, user guides,  online training modules and more. Note: Fannie Mae credentials are required to access.
HSSN: Introducing Your Delinquency Reporting Responsibilities Understand your delinquency reporting responsibilities using HSSN. Get job aids, and step-by-step instructions in this online course.
Business Continuity Reminders and Resources Don't miss out on important deadlines. Review business continuity reminders and processes to keep your business operating during this time.