The California wildfires took their toll on the state this month, causing billions of dollars worth of damage to homes.

Fannie Mae and Freddie Mac are allowing homeowners impacted by the fires to stop making mortgage payments for up to 12 months without late fees, reports Kelsey Ramirez for HousingWire.

Fannie Mae servicers also have other options available, such as suspending or reducing a homeowner’s mortgage payments for up to 90 days without any contact with the homeowner if the servicer believes the homeowner has been affected by a disaster. Servicers can also suspend foreclosures and other legal proceedings if the servicer believes the homeowner has been impacted by the disaster.

Freddie Mac also reminded servicers to consider borrowers who work in eligible disaster areas, even if their home is outside the affected area.

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