The new legislation provides some relief for certain homeowners who have federally backed mortgages, including those purchased by Fannie Mae and Freddie Mac, insured by the FHA, or guaranteed or insured by the VA or USDA. However, YOU MUST REQUEST THE RELIEF! It is not automatic. The relief will initially be granted for up to 180 days but you can submit a second request for up to 180 additional days. Call your mortgage company IMMEDIATELY.