Having Trouble Making Your Mortgage Payments?
We understand that financial hardships can happen, and we’re here to help. If you’re struggling to make your mortgage payments or worried you might fall behind—there are options available to help you stay in your home.
Even if you haven’t missed a payment yet, now is the time to act. Our Payment Assistance Specialists are ready to explore solutions with you. Call us today at 800-441-3456.
You can also find free housing counseling services through HUD by calling 800-569-4287 or visiting www.hud.gov/i_want_to/talk_to_a_housing_counselor. Your state or local organizations may also offer free services that can help.
Facing Foreclosure?
Foreclosure is always a last resort, and we want to help you avoid it. If your loan is past due, it’s critical to contact us as soon as possible. Call us now at 800-441-3456 to speak with a Payment Assistance Specialist.
Options to Stay in Your Home
If you’re experiencing financial hardship, there may be ways to adjust your mortgage payments to avoid foreclosure. Here are some options we may be able to offer:
- Repayment Plan - Pay back missed payments over time while making regular payments.
- Helps you catch up without requiring a lump sum.
- Stops additional late fees while the plan is in place.
- Forbearance Plan – Temporarily reduce or pause your mortgage payments.
- Gives you time to improve your financial situation.
- Payments resume once the forbearance period ends.
- Loan Modification – Adjust your mortgage terms for long-term affordability.
- Requires completing a trial period with reduced payments.
- May add past-due payments to your principal balance.
To discuss these options and find the right solution for you, call us at 800-441-3456.
If Leaving Your Home is the Best Option
If staying in your home is no longer possible, we understand how difficult this decision can be. There are alternatives to foreclosure that can help you move forward:
- Pre-Foreclosure Sale (Short Sale) – Sell your home when you owe more than its current value.
- Helps you avoid foreclosure and transition to a new living situation.
- In some cases, relocation assistance may be available.
- Deed in Lieu of Foreclosure – Transfer ownership of your home to us.
- Allows you to move on without going through foreclosure.
- Relocation assistance may be available in some cases.
We’re here to guide you through these options. Call us at 800-441-3456 for assistance.
How to Request Assistance
If you need mortgage assistance, the first step is to call 800-441-3456 to speak with a Payment Assistance Specialist. We’ll review your financial situation and discuss the best options for you.
To process your request, you’ll need to provide the following documents:
- Completed Assistance Application Form (signed and dated)
- Completed 4506-C Form (signed, dated, and attestation boxes checked)
- Your two most recent pay stubs (or four if paid weekly)
- Your two most recent bank statements (showing name, address, and transaction details)
- Written explanation for any bank deposits over $250 (excluding payroll)
- Most recent federal tax return (signed and dated) or last year’s W-2
- Documentation of all other household income
- Any supporting documents related to your financial hardship
- If your home is listed for sale, a copy of the listing agreement