Fannie Mae and Freddie Mac offer mortgage relief to homeowners impacted by natural disasters, including those with second homes in areas like North Carolina and Florida. If your second home is located in a federally declared disaster area, you may be eligible for temporary mortgage relief options such as:- **Forbearance**: A temporary suspension of mortgage payments for up to 12 months.- **No Late Fees or Penalties**: During the forbearance period, you won't be charged late fees or have delinquencies reported to credit bureaus.- **Repayment Options**: After the forbearance period, you won’t be required to repay all missed payments at once. Your loan servicer will work with you on a manageable repayment plan.To access relief, contact your mortgage servicer, as they will guide you through the available options based on your specific situation [oai_citation:4,Mortgage Assistance for Those Impacted by Recent Natural Disasters - Freddie Mac](https://www.freddiemac.com/about/hurricane-relief) [oai_citation:3,Disaster Response | Fannie Mae](https://singlefamily.fanniemae.com/disaster-response). If you're unsure whether your mortgage is owned by Fannie Mae or Freddie Mac, you can use their online loan lookup tools to verify [oai_citation:2,For Homeowners Affected by a Natural Disaster](https://myhome.freddiemac.com/docs/Natural_Disaster_Relief_Consumer_Flyer_GSEs.pdf?file=2024-07/Natural_Disaster_Relief_Consumer_Flyer_GSEs.pdf) [oai_citation:1,Disaster Resiliency and Relief | Fannie Mae](https://www.fanniemae.com/about-us/what-we-do/disaster-resiliency-and-relief).Send me a DM if any of these resources don’t lead to a solution and I can offer guidance.