Qualifying circumstances

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  • To qualify, your mortgage must be owned by either Fannie Mae or Freddie Mac behind the scenes. Find out if your loan is held by either by contacting Fannie online or at 1-800-7-FANNIE and Freddie online or at 1-800-FREDDIE.
  • Qualifying circumstances include unemployment; divorce; long-term disability; a change of employment that is more than 50 miles from the current home; a business failure; death of the primary or secondary wage earner; or a natural or man-made disaster.


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