Ginnie Mae makes it attractive for investors around the world to invest their money in the U.S. housing market; and, because Ginnie Mae provides liquidity to the mortgage market, Ginnie Mae’s role is frequently misunderstood. Ginnie Mae is the guarantor of the security for which Federal Housing Administration (FHA), Veterans Affairs (VA), U.S. Department of Agriculture’s Rural Development program (RD), and Housing and Urban Development’s Public and Indian Housing program (PIH) mortgage loans serve as collateral.
Because Ginnie Mae guarantees the security, it carries Ginnie Mae’s name. As a result, borrowers are often mistakenly advised that Ginnie Mae determines eligibility for loan modifications, though we do not. The loan modification process is managed by the loan servicer according to the guidelines of the insuring agency.
If you have concerns or questions about your government-insured loan, you should contact the agency which insured your loan. Information that may help consumers get in touch with the appropriate government agency is below.
If you have questions about the Federal Housing Administration (FHA) program, call 1-800-225-5342.
If you have questions about the Veterans Affairs (VA) Home Loan Guaranty program, call 1-800-827-1000.
If you have questions about the Rural Development (RD) program, call the USDA’s Centralized Servicing Center at 1-800-414-1226.
If you have questions about the PIH program, call the PIH Customer Service Center at 1-800-955-2232
If you have a loan that is not government insured or guaranteed, call HOPE NOW at 1-888-995-4673.