Mortgage Payment Assistance

We understand the challenges homeowners are facing these days. At Huntington, we can help you understand your options if you are having difficulty making mortgage loan payments, have experienced a hardship, or need assistance with a matured mortgage loan.

Our Home Savers colleagues are prepared to answer your payment-related questions and help you with other possible options. If you need to speak with someone immediately, please contact us at (800) 323-9865.

Learn about mortgage relief and protections

Answer: Under the Cares Act, borrowers hit hard by the pandemic and having trouble making their mortgage payments were provided with certain protections. One of those protections gave borrowers the right to ask for and receive payment forbearance, which permits them to temporarily stop making mortgage payments.

Answer: Payment forbearance is when your mortgage servicer or lender allows you to pause or reduce your payments for a limited period of time.

Answer: Under a payment forbearance plan, the lender agrees to accept reduced payments or no payments at all for an extended period of time. At the end of the forbearance period, the borrower has several options including the ability to defer the missed payments to the end of the loan.

Answer: If you are experiencing difficulties making your mortgage payments, you are encouraged to contact your lender or loan servicer directly to inquire about foreclosure prevention options that are available.

Learn about your mortgage assistance options

If the conditions are right, we may be able to refinance your loan into a lower payment. For those with a home equity loan or line (second mortgage), we may be able to combine the loan with your first mortgage to lower your overall mortgage payment as long as certain qualifications are met. Whether you have your first mortgage with Huntington or another lender, the combination of the first mortgage and second may be a possible option.
This is an agreement that allows you to make your regular payment and a portion of the past due amount monthly to bring your account current.
This payment option defers the amount you owe to the end of your loan. You will have to pay the deferred amount when you make your last loan payment or pay off the balance of the loan (e.g., when you sell or transfer the property or refinance your loan), or when your loan reaches the maturity date.
If you can make your monthly payments on your loan, but you do not have the available funds to bring the account current or you cannot afford the total amount of your current payment, we may be able to modify the terms of your original loan agreement to make the payments more affordable.
If you have a FHA loan, you may qualify for an interest-free loan from your mortgage guarantor in order to bring your account current.
If you choose to sell your home, we may agree to accept an amount that is less than the balance still owed on the loan.
A deed can be given by the borrower/mortgagor to the lender or mortgagee to avoid foreclosure.

Helpful resources

Contact us today to discuss the repayment options that may be available to you. Call us toll-free at (800) 323-9865.

Business Hours

  • 8 a.m.–9 p.m. ET, Monday–Friday
  • 8 a.m.–1 p.m. ET, Saturday

You may also contact a HUD counselor for further assistance. To find a HUD counselor in your area, contact HUD at or call (800) 569-4287.

Find out if your loan is owned by FNMA (Fannie Mae) or by FHLMC (Freddie Mac) by checking the following links:

If your loan is Fannie Mae or Freddie Mac owned or a government insured loan (FHA or VA) download and print the Borrower Request for Assistance packet.

If your loan is none of the above or you are unable to determine, download and print the Huntington Borrower Request for Assistance packet.

Please mail it to:

Huntington National Bank
Home Savers Department
5555 Cleveland Ave.
Columbus, Ohio 43231
Attn: GW2W40

Or fax it to (614) 480-6602

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All lending products are subject to application and credit approval. Home equity loans and lines also subject to acceptable appraisal and title search.