Hardship Assistance

If there’s one thing we know, it’s that stuff happens. If you’re struggling to make your minimum payments due to changes in your life situation, you can get help. Whether you’ve lost your job, incurred unplanned health care expenses, or had a significant decrease in your income, we’re here for you. At Caliber, we’re dedicated to working with you and providing the tools you need to request hardship assistance and manage your debt. For more information about the hardship relief program, visit our Account Help link here.

What to do after a natural disaster

When a natural disaster hits, your life may be quickly filled with uncertainty and chaos. After ensuring you and your family are safe, issues related to your home and income are typically of utmost concern, from how to handle repairs and insurance claims to temporary mortgage payment relief. Investor guidelines will determine your available assistance options. Caliber is here to help.

Start here

  • Ensure your safety and the safety of your family; be sure your residence is safe before returning to inspect any damage.
  • Record the details of your damage, document with photos.
  • Locate any important documents you may need for seeking assistance.
  • Contact your homeowner’s insurance provider to understand your coverage, file a claim and meet with an adjuster.
  • Contact FEMA at 800-621-3362 to determine if you qualify for assistance and obtain a FEMA case number. Be sure to have your social security number and contact information available.
  • Contact Caliber Home Loans to report your insurance claim information and learn what hardship options may be available under your loan program.
Contact Your Insurance

Your insurance company should be one of your first calls. Before you call, be sure to read up on the process.
The Insurance Process

Contact Agencies
Contact Caliber

During the FEMA relief period, if you were impacted by a natural disaster, Caliber may be able to offer payment relief options.
Payment Relief Options

Until you confirm that you are eligible for payment relief under your investor's loan program during a FEMA declared relief period, it is important that you continue to make timely mortgage payments. If you cannot, payment assistance may be available. Payment assistance plans have a limited term. Any unpaid amounts will be due and payable at the end of the payment assistance period. Remember, your loan program guidelines are primarily set by the investor, not Caliber. Certain limitations may apply based on those guidelines.

Agency resources

FEMA

800-621-3362
FEMA.gov

Feed The Children

800-627-4556
FeedtheChildren.org

American Red Cross

866-438-4636
RedCross.org

Salvation Army

disaster.salvationarmyusa.org

National Voluntary Organizations Active in Disaster (VOAD)

VOAD on Ready.gov

Visit DisasterAssistance.gov to apply and qualify for potential grants and assistance.
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