ACTUAIZADO – 12/21/2020 – Los plazos para solicitar un aplazamiento inicial de su hipoteca por causa del coronavirus han sido extendidos hasta el 28 de febrero del 2021. Si por culpa del coronavirus usted tiene dificultades para pagar su hipoteca, contacte al administrador de la misma inmediatamente. Usted podría ser elegible para recibir un aplazamiento, el cual pausa o reduce, temporalmente, sus pagos hipotecarios mensuales. Hay cinco pasos que debe tomar para solicitar alivio de hipoteca: • Paso 1. Encuentre la información de contacto del administrador • Paso 2: Llame al administrador y dígales que tiene dificultades financieras por causa de la pandemia del coronavirus • Paso 3: Averigüe si su préstamo hipotecario es elegible para recibir alivio bajo la Ley CARES • Paso 4: Asegúrese de estar cómodo con los términos del alivio o el aplazamiento de hipoteca, antes de seguir adelante con el mismo • Paso 5: Acuerde un plan de alivio con el administrador Para encontrar más información acerca de las opciones de alivio de hipoteca durante la pandemia del coronavirus, visite http://consumerfinance.gov/es/vivienda

Si por culpa de la pandemia del coronavirus usted recibió un aplazamiento de su hipoteca, es importante que sepa cómo hará los pagos que el administrador de la misma le permitió reducir o pausar. Usted querrá saber: - Cuándo termina su período de aplazamiento En algunos casos, usted podría extenderlo - Qué opciones tiene para pagar el aplazamiento Las opciones incluyen; dividir el monto a pagar en un período de tiempo, diferir los pagos omitidos a alguna fecha posterior, como al final del plazo de su préstamo, y en algunos casos, cambiar o modificar los términos del préstamo para acomodar los pagos que pudo pausar u omitir durante el aplazamiento. Si su hipoteca está respaldada por el gobierno Federal (préstamos de Fannie Mae, Freddie Mac, FHA, VA o USDA), no podrán exigirle que haga todos los pagos pausados o reducidos de una sola vez, en lo que se conoce como opción de un pago global. No todos los prestatarios son elegibles para todas las opciones. Pregúntele al administrador cómo funcionan estos programas y qué cosas debe esperar acerca de cómo pagará de vuelta estos montos. Puede saber más acerca de cómo pagar su aplazamiento visitando cfpb.gov/es/vivienda.

ACTUALIZACIÓN - 12/21/2020 - Los plazos para solicitar un "forbearance" o aplazamiento inicial para algunos tipos de hipotecas, han sido extendidos hasta el 28 de febrero del 2021. Desde marzo, millones de propietarios de vivienda han solicitado y recibido aplazamientos bajo la Ley CARES, lo que les ha permitido temporalmente pausar o reducir sus pagos hipotecarios. Aún hay tiempo para que aproveche estas protecciones, y queremos incentivarle a llamar más pronto que tarde. En el caso de algunas hipotecas, el plazo para solicitar aplazamiento es el 28 de febrero del 2021. No espere, hay ayuda disponible para usted. Le mostramos los datos que debe saber acerca del aplazamiento de hipoteca: Dato 1: Hay ayuda disponible, pero usted debe contactar al administrador de su hipoteca para solicitarla. Dato 2: En la mayoría de los préstamos, los administradores no pueden obligarle a pagar todos los montos omitidos de una sola vez (también conocido como “lump sum” o pago global). Si le ofrecen esa opción, pregunte cuáles tiene disponibles. Dato 3: Si es elegible para recibir aplazamiento bajo la Ley CARES, usted no necesitará probar que para por dificultades financieras a causa de la pandemia del coronavirus. Pero deberá solicitarle ayuda a su administrador por el impacto financiero del coronavirus. Dato 4: El alivio de hipoteca no debería costarle nada. Si alguien le ofrece ayuda a cambio de algún pago por adelantado, probablemente sea una estafa. Sepa más visitando nuestra página web sobre alivio de hipoteca por el coronavirus: https://www.consumerfinance.gov/es/coronavirus/asistencia-hipotecas-y-viviendas/alivio-de-hipoteca/ La Oficina para la Protección Financiera del Consumidor (CFPB, por sus siglas en inglés), es una agencia del gobierno Federal que se asegura de que bancos, prestamistas y otras compañías financieras, le traten correctamente. Para saber cómo podemos ayudarle, visite: https://www.consumerfinance.gov/es/quienes-somos/ Conéctese con el CFPB: https://www.consumerfinance.gov/es Twitter: https://twitter.com/CFPBespanol Facebook: https://www.facebook.com/CFPBespanol/

UPDATE – 12/21/2020 – Deadlines to request an initial forbearance for some mortgages have been extended to February 28, 2021. If you currently have forbearance on your mortgage because of the coronavirus pandemic, it’s important to know that you’ll have to pay back the mortgage payments your mortgage servicer has allowed you to reduce or pause. You’ll want to know: • When your forbearance period ends. In some cases, you may be able to extend your forbearance. • What options you have for paying back forbearance. Options include splitting the amount you need to repay over a period of time, deferring your missed payments to a later date, like the end of your loan term, and in some cases changing or modifying the terms of your loan to accommodate the payments you were able to pause or reduce during forbearance. If you have a federally backed mortgage ( a Fannie Mae, Freddie Mac, FHA, VA, or USDA loan), you won’t be required to pay back the payments you were allowed to pause or reduce in forbearance all at once, in what is called a lump-sum option. Not all borrowers will be eligible for all options. Ask your servicer how these programs work and what you can expect in terms of repaying these amounts. You can learn more about paying back your forbearance at http://www.cfpb.gov/housing The Consumer Financial Protection Bureau (CFPB), is a U.S. government agency that makes sure banks, lenders, and other financial companies treat you fairly. Learn how the CFPB can help you at https://consumerfinance.gov/about-us/ Connect with CFPB: https://consumerfinance.gov/ Twitter: https://twitter.com/CFPB Facebook: https://facebook.com/CFPB

UPDATE – 12/21/2020 – Deadlines to request an initial forbearance for some mortgages have been extended to February 28, 2021. Since March, millions of homeowners have requested and received forbearance under the CARES Act, allowing them to temporarily pause or reduce their mortgage payments. It’s not too late to take advantage of these protections, and we encourage you to call sooner rather than later. For some mortgages the deadline to request forbearance is February 28, 2021. Don’t wait – help is available to you. Here are the facts you need to know about mortgage forbearance. Fact 1: Help is available, but you must contact your servicer to request help. Fact 2: For most loans, servicers cannot require you to repay the amount you skipped all at once (also known as a lump sum). If you are given that option, ask what others are available. Fact 3: If you are eligible for forbearance under the CARES Act you won’t need to show proof of financial hardship due to the coronavirus pandemic. But you will need to request help from your servicer because of financial impacts from the coronavirus. Fact 4: Mortgage relief shouldn’t cost you anything. If someone offers you help, but you have to pay an upfront fee, it’s likely a scam. Learn more on the coronavirus mortgage relief site: https://www.consumerfinance.gov/coronavirus/mortgage-and-housing-assistance/ The Consumer Financial Protection Bureau (CFPB), is a U.S. government agency that makes sure banks, lenders, and other financial companies treat you fairly. Learn how the CFPB can help you at https://consumerfinance.gov/about-us/ Connect with CFPB: https://consumerfinance.gov/ Twitter: https://twitter.com/CFPB Facebook: https://facebook.com/CFPB

The Consumer Financial Protection Bureau (CFPB) Section for Students and Young Consumers invite Community College experts to share information and resources geared toward helping students prepare for the upcoming school year. In this webinar we cover topics such as the value of attending a Community College, programs that can help students prepare for the upcoming school year in light of COVID-19, and general resources for incoming and existing students. For more information, visit https://www.consumerfinance.gov/practitioner-resources/students/student-young-consumers-training-webinars/ The Consumer Financial Protection Bureau (CFPB), is a U.S. government agency that makes sure banks, lenders, and other financial companies treat you fairly. Learn how the CFPB can help you at https://consumerfinance.gov/about-us/ Connect with CFPB: https://consumerfinance.gov/ Twitter: https://twitter.com/CFPB Facebook: https://facebook.com/CFPB

UPDATE – 12/21/2020 – Deadlines to request an initial forbearance for some mortgages have been extended to February 28, 2021. If the coronavirus has made it difficult to pay your mortgage, contact your mortgage servicer immediately. You may be eligible for forbearance, which temporarily pauses or reduces your monthly mortgage payments. There are five steps to take to request mortgage relief: • Step 1: Find your servicer’s information • Step 2: Call your servicer to tell them you’ve experienced a financial hardship because of the Coronavirus pandemic • Step 3: Learn whether your mortgage loan is eligible for relief under the CARES Act • Step 4: Make sure you’re comfortable with the terms of mortgage relief or forbearance before moving forward. • Step 5: Agree to a relief plan with your servicer For more information on mortgage relief options during the coronavirus pandemic, visit http://consumerfinance.gov/housing. The Consumer Financial Protection Bureau (CFPB), is a U.S. government agency that makes sure banks, lenders, and other financial companies treat you fairly. Learn how the CFPB can help you at https://consumerfinance.gov/about-us/ Connect with CFPB: https://www.consumerfinance.gov/ Twitter: https://twitter.com/CFPB Facebook: https://facebook.com/CFPB

In this live webinar, the Consumer Financial Protection Bureau (CFPB) hosts Nydia Alvarez of Branches Florida City; Delilah Marquez and Kiana Pina of S.H.A.R.E. Center at Palo Alto Community College and Melissa Cruz of Georgia Student Finance Commission for a discussion on student financial wellness. For more information on this topic, or to see more CFPB student and young consumer webinars, visit https://go.usa.gov/x7jEv. The Consumer Financial Protection Bureau (CFPB), is a U.S. government agency that makes sure banks, lenders, and other financial companies treat you fairly. Learn how the CFPB can help you at https://www.consumerfinance.gov/about-us/ Connect with CFPB https://www.consumerfinance.gov Twitter https://www.twitter.com/CFPB Facebook https://www.facebook.com/CFPB`