{"id":106841,"date":"2024-01-11T03:12:05","date_gmt":"2024-01-11T03:12:05","guid":{"rendered":"https:\/\/namso-gen.co\/blog\/what-happens-to-your-mortgage-if-the-bank-goes-under\/"},"modified":"2024-01-11T03:12:05","modified_gmt":"2024-01-11T03:12:05","slug":"what-happens-to-your-mortgage-if-the-bank-goes-under","status":"publish","type":"post","link":"https:\/\/namso-gen.co\/blog\/what-happens-to-your-mortgage-if-the-bank-goes-under\/","title":{"rendered":"What happens to your mortgage if the bank goes under?"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_62 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/namso-gen.co\/blog\/what-happens-to-your-mortgage-if-the-bank-goes-under\/#What_happens_to_your_mortgage_if_the_bank_goes_under\" title=\"What happens to your mortgage if the bank goes under?\">What happens to your mortgage if the bank goes under?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/namso-gen.co\/blog\/what-happens-to-your-mortgage-if-the-bank-goes-under\/#FAQs_about_what_happens_to_your_mortgage_if_the_bank_goes_under\" title=\"FAQs about what happens to your mortgage if the bank goes under\">FAQs about what happens to your mortgage if the bank goes under<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/namso-gen.co\/blog\/what-happens-to-your-mortgage-if-the-bank-goes-under\/#1_Will_I_still_have_to_pay_my_mortgage_if_my_bank_goes_under\" title=\"1. Will I still have to pay my mortgage if my bank goes under?\">1. Will I still have to pay my mortgage if my bank goes under?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/namso-gen.co\/blog\/what-happens-to-your-mortgage-if-the-bank-goes-under\/#2_Will_my_mortgage_rate_change_if_my_bank_goes_under\" title=\"2. Will my mortgage rate change if my bank goes under?\">2. Will my mortgage rate change if my bank goes under?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/namso-gen.co\/blog\/what-happens-to-your-mortgage-if-the-bank-goes-under\/#3_Will_I_lose_my_home_if_my_bank_goes_under\" title=\"3. Will I lose my home if my bank goes under?\">3. Will I lose my home if my bank goes under?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/namso-gen.co\/blog\/what-happens-to-your-mortgage-if-the-bank-goes-under\/#4_What_if_my_bank_goes_under_and_I_cant_make_my_mortgage_payments\" title=\"4. What if my bank goes under and I can&#8217;t make my mortgage payments?\">4. What if my bank goes under and I can&#8217;t make my mortgage payments?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/namso-gen.co\/blog\/what-happens-to-your-mortgage-if-the-bank-goes-under\/#5_Will_my_mortgage_be_sold_to_another_lender_if_my_bank_goes_under\" title=\"5. Will my mortgage be sold to another lender if my bank goes under?\">5. Will my mortgage be sold to another lender if my bank goes under?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/namso-gen.co\/blog\/what-happens-to-your-mortgage-if-the-bank-goes-under\/#6_Can_I_refinance_my_mortgage_if_my_bank_goes_under\" title=\"6. Can I refinance my mortgage if my bank goes under?\">6. Can I refinance my mortgage if my bank goes under?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/namso-gen.co\/blog\/what-happens-to-your-mortgage-if-the-bank-goes-under\/#7_Will_my_credit_score_be_affected_if_my_bank_goes_under\" title=\"7. Will my credit score be affected if my bank goes under?\">7. Will my credit score be affected if my bank goes under?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/namso-gen.co\/blog\/what-happens-to-your-mortgage-if-the-bank-goes-under\/#8_Can_I_keep_my_mortgage_if_my_bank_goes_under_and_I_file_for_bankruptcy\" title=\"8. Can I keep my mortgage if my bank goes under and I file for bankruptcy?\">8. Can I keep my mortgage if my bank goes under and I file for bankruptcy?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/namso-gen.co\/blog\/what-happens-to-your-mortgage-if-the-bank-goes-under\/#9_What_happens_if_my_mortgage_is_in_default_when_my_bank_goes_under\" title=\"9. What happens if my mortgage is in default when my bank goes under?\">9. What happens if my mortgage is in default when my bank goes under?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/namso-gen.co\/blog\/what-happens-to-your-mortgage-if-the-bank-goes-under\/#10_Will_my_escrow_account_be_affected_if_my_bank_goes_under\" title=\"10. Will my escrow account be affected if my bank goes under?\">10. Will my escrow account be affected if my bank goes under?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/namso-gen.co\/blog\/what-happens-to-your-mortgage-if-the-bank-goes-under\/#11_Can_I_sell_my_home_if_my_bank_goes_under\" title=\"11. Can I sell my home if my bank goes under?\">11. Can I sell my home if my bank goes under?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/namso-gen.co\/blog\/what-happens-to-your-mortgage-if-the-bank-goes-under\/#12_How_can_I_protect_myself_if_my_bank_goes_under\" title=\"12. How can I protect myself if my bank goes under?\">12. How can I protect myself if my bank goes under?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"What_happens_to_your_mortgage_if_the_bank_goes_under\"><\/span>What happens to your mortgage if the bank goes under?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>When a bank goes under, there can be significant concerns about the fate of your mortgage. However, there are laws and regulations in place to protect borrowers in the event of a bank failure. <\/p>\n<p>In the United States, the Federal Deposit Insurance Corporation (FDIC) typically steps in when a bank fails. The FDIC is responsible for insuring deposits up to $250,000 per depositor, per insured bank. This means that if your mortgage is held by a bank that goes under, your debt is still valid and must be paid. The FDIC will either sell your mortgage to another financial institution or continue servicing it themselves.<\/p>\n<p>Additionally, if your mortgage is backed by Fannie Mae or Freddie Mac, two government-sponsored enterprises, your loan may be transferred to another servicer in the event of a bank failure. Fannie Mae and Freddie Mac are required by law to continue servicing loans even if the original lender goes out of business.<\/p>\n<p>It is essential to stay in communication with your bank or mortgage servicer in case of a bank failure to ensure that your payments are made on time and that there are no disruptions in your ability to pay your mortgage.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"FAQs_about_what_happens_to_your_mortgage_if_the_bank_goes_under\"><\/span>FAQs about what happens to your mortgage if the bank goes under<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<h3><span class=\"ez-toc-section\" id=\"1_Will_I_still_have_to_pay_my_mortgage_if_my_bank_goes_under\"><\/span>1. Will I still have to pay my mortgage if my bank goes under?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nYes, you are still responsible for paying your mortgage even if your bank goes under. The FDIC or another financial institution will step in to handle your loan.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_Will_my_mortgage_rate_change_if_my_bank_goes_under\"><\/span>2. Will my mortgage rate change if my bank goes under?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nYour mortgage rate will not change if your bank goes under. The terms of your loan will remain the same.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"3_Will_I_lose_my_home_if_my_bank_goes_under\"><\/span>3. Will I lose my home if my bank goes under?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nYou will not lose your home if your bank goes under as long as you continue to make your mortgage payments. The FDIC or another servicer will handle your loan.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"4_What_if_my_bank_goes_under_and_I_cant_make_my_mortgage_payments\"><\/span>4. What if my bank goes under and I can&#8217;t make my mortgage payments?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nIf you are unable to make your mortgage payments due to your bank going under or any other reason, it is crucial to contact your servicer immediately to discuss possible options such as forbearance or loan modification.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"5_Will_my_mortgage_be_sold_to_another_lender_if_my_bank_goes_under\"><\/span>5. Will my mortgage be sold to another lender if my bank goes under?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nYes, it is possible that your mortgage will be sold to another lender if your bank goes under. The FDIC will work to ensure that your loan is serviced by another financial institution.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"6_Can_I_refinance_my_mortgage_if_my_bank_goes_under\"><\/span>6. Can I refinance my mortgage if my bank goes under?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nIf your bank goes under, you may still be able to refinance your mortgage with another lender. It is essential to speak with your servicer or a mortgage broker to explore your options.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"7_Will_my_credit_score_be_affected_if_my_bank_goes_under\"><\/span>7. Will my credit score be affected if my bank goes under?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nYour credit score will not be directly affected if your bank goes under. As long as you continue to make your mortgage payments on time, your credit should not be negatively impacted.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"8_Can_I_keep_my_mortgage_if_my_bank_goes_under_and_I_file_for_bankruptcy\"><\/span>8. Can I keep my mortgage if my bank goes under and I file for bankruptcy?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nIf you file for bankruptcy after your bank goes under, you may be able to keep your mortgage depending on the type of bankruptcy you file. It is advisable to consult with a bankruptcy attorney for guidance.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"9_What_happens_if_my_mortgage_is_in_default_when_my_bank_goes_under\"><\/span>9. What happens if my mortgage is in default when my bank goes under?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nIf your mortgage is in default when your bank goes under, the new servicer or the FDIC may work with you to bring the loan current or explore options to prevent foreclosure.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"10_Will_my_escrow_account_be_affected_if_my_bank_goes_under\"><\/span>10. Will my escrow account be affected if my bank goes under?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nIf your bank goes under, your escrow account may be transferred to the new servicer along with your mortgage. It is important to monitor your escrow account to ensure that taxes and insurance payments are made on time.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"11_Can_I_sell_my_home_if_my_bank_goes_under\"><\/span>11. Can I sell my home if my bank goes under?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nYou can still sell your home if your bank goes under. You will need to work with the new servicer or the FDIC to settle any outstanding mortgage debt upon closing the sale.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"12_How_can_I_protect_myself_if_my_bank_goes_under\"><\/span>12. How can I protect myself if my bank goes under?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nTo protect yourself in case your bank goes under, it is essential to stay informed about your mortgage terms and maintain open communication with your servicer. Additionally, having an emergency fund to cover mortgage payments can provide peace of mind in case of a bank failure.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>What happens to your mortgage if the bank goes under? When a bank goes under, there can be significant concerns about the fate of your mortgage. However, there are laws and regulations in place to protect borrowers in the event of a bank failure. In the United States, the Federal Deposit Insurance Corporation (FDIC) typically &#8230; <\/p>\n<p class=\"read-more-container\"><a title=\"What happens to your mortgage if the bank goes under?\" class=\"read-more button\" href=\"https:\/\/namso-gen.co\/blog\/what-happens-to-your-mortgage-if-the-bank-goes-under\/#more-106841\">Read more<span class=\"screen-reader-text\">What happens to your mortgage if the bank goes under?<\/span><\/a><\/p>\n","protected":false},"author":15,"featured_media":107420,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[86279],"tags":[],"class_list":["post-106841","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-learn","no-featured-image-padding"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>What happens to your mortgage if the bank goes under?<\/title>\n<meta name=\"description\" content=\"What happens to your mortgage if the bank goes under? 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When a bank goes under, there can be significant concerns about the fate of your mortgage. 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