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If you have experienced a hardship and are concerned about being able to make your mortgage payments, now is the time to take action. Even if you have missed payments and have many late charges, help may still be available to help you get back on track and stay in your home.
Talk with us about your options. Call 1-866-638-4284 to speak with a Mortgage Loan Counselor.

Refinance

Refinancing your loan with new terms, interest rates, and monthly payments could decrease your payments. A new loan may be an option even if your home has decreased in value.

Repayment Plan

A repayment plan is an agreement between you and MetLife Home Loans that allows you to catch up on your payments by paying your normal monthly payment in addition to a portion of the past due amount to bring your mortgage current.

Forbearance

Forbearance is an offer by MetLife Home Loans to temporarily suspend or reduce your monthly mortgage payments for a specified period of time to allow you to work through a temporary hardship.

Modification

A modification to your loan may be available if your hardship is long term. The goal of a modification is to reduce your monthly mortgage payment by changing the length of the loan, the interest rate, or the payment amount. You may also be eligible for the government’s Home Affordable Modification Program (HAMP).

Deed-for-Lease

The Fannie Mae Deed-for-Lease program was created to allow you to temporarily lease your home. If your loan is owned by Fannie Mae, you exchange your deed for the ability to stay in your home as a tenant. You are released from the obligations of your monthly mortgage payments but still make lease payments.