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home › economic survival tips › Housing & Mortgage › I Missed a Mortgage Payment - What do I do? › Find the Problem and Respond

Find the Problem and Respond quickly

 

Fannie Mae recently launched a program that will help some homeowners (or their tenants) who are facing foreclosure to stay in their homes for up to a year.

Under the Deed for LeaseTM Program, homeowners voluntarily transfer their property back to the lender by completing a transaction known as “deed in lieu of foreclosure.” Then, they lease the house back at a market rate.

The hope is that occupied homes will help stabilize neighborhoods hit hard by foreclosures while giving the occupants time to make other living arrangements.

Here are a few pointers about the program: 

  • The program targets borrowers who have not been able to modify their original home loans.

  • The home must be the borrower's primary place of residence.

  • Individuals leasing their homes through Fannie Mae will pay a market rental rate—typically lower than their current mortgage payment.

  • Occupants must document that the rental amount is no more than 31% of the gross household income.

  • Occupants may stay in the homes for up to a year. Extensions may be negotiated after that time.

To learn more about this program, visit Fannie Mae’s website:

News Release

Deed for Lease Overview

Deed for Lease: Instructions for Borrowers

Deed for Lease: Frequently Asked Questions

 

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