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Need help making your payments?

If you're experiencing financial difficulties, we're here to help you. Call us today to learn more about your Loss Mitigation options at 1-855-690-5900.

Loss mitigation options depend on your individual circumstances. If you provide all required information and documentation about your situation, we can determine if you qualify for temporary or long-term relief, including solutions that may allow you to stay in your home (refinance, repayment, forbearance, loan modification) or leave your home while avoiding foreclosure (short sale or deed-in-lieu of foreclosure).

You may obtain a list of HUD-approved, non-profit homeowners counseling organizations serving your residential area by calling toll free 1-800-569-4287 or by visiting the HUD website at www.hud.gov.

The following documentation may be required during the process:

  • IRS Form 4506-T (allows us to verify tax return information if necessary)
  • Borrower(s) Financial Report
  • Hardship Letter
    • Brief explanation of reason for the hardship (such as: illness or job loss) – signed and dated
  • Income Documentation:
    • Hourly/Salaried Employees - all full and part-time jobs
      • Most recent pay stubs for the past (30) days including year-to-date income
      • Checking and savings account statements for the past (2) months - include all pages
      • Most recent Tax Returns that are complete with all schedules and attachments (W-2's and/or 1099's)
    • Self-Employed:
      • A current year profit and loss statement - signed and dated
      • Checking and savings account statements for the past (2) months, both personal and business - include all pages
      • Most recent business tax returns that are complete with all schedules and attachments (W-2's and/or 1099's)
    • Other Household Income (if applicable) - In addition to the above:
      • Non-borrower contribution - notarized letter of contribution amount along with proof of their income. Please see above the Income Documentation section to supply this proof of income.
      • For household members who have other income (such as: Social Security/pension, rental leases, disability, death benefits/annuity, unemployment or food stamp income), please provide a copy of the benefit statement(s), which includes the amount, frequency and duration of this benefit.
      • Alimony, separate maintenance and/or child support payments (note: this income need not be revealed if you do not wish to have this source of income considered). If you choose to have it considered, please provide a copy of the divorce/separation or any other agreement that states the amount, frequency and duration of these payments.
  • If you wish to sell the property, you will also need to provide:
    • Copy of the Listing Agreement
    • Copy of the Sales Contract (if available)
    • Copy of the Estimated Settlement Statement (if available)
    • Signed Third Party Authorization Form