Gregory Funding Coronavirus Mortgage Forbearance Information

Servicer Contact Options

Phone: 866-712-5698

Payment Assistance: Hardship Assistance Application 

From Servicer Website

Some of the government-sponsored enterprises (including Fannie Mae and Freddie Mac) have implemented programs to help borrowers during this time.  These programs do not apply to your mortgage; the terms of your mortgage loan Promissory Note and Security Instrument (the mortgage or deed of trust) have not changed. 

Some of the states have issued guidance to mortgage servicers. We are closely monitoring federal, state and local guidance and we will follow all applicable laws.  Our loan assistance programs remain available to you as always. 

Many of you may now have a new need because you are facing a pay reduction or job loss situation that represents a shocking change in your financial situation.  We can help. 

We do understand that many people will experience temporary loss of income and the sudden impact can be harsh on families.  We are looking at special terms that we may offer to assist with these unusual needs as we structure a solution for you. 

Please contact our Customer Service team at 866-712-5698 to discuss your personal situation. You can also download our Borrower Assistance Application from this website, complete it, gather the required personal financial information, and mail the application to our office.

If you have forbearance questions and would like to speak to a certified housing counselor, please call the Hope Hotline at


Please ask questions or report your experience with this servicer below. Your feedback will help other homeowners navigate homeownership preservation options. REMEMBER: Ask for everything in writing to protect yourself against surprises.


  1. Bill paxson on May 1, 2020 at 3:11 pm

    I have been trying to make a payment on my loan for 5 days now with no answer at phone number 1 866-712-5698

    • Kim Byrom on May 21, 2020 at 9:33 pm

      Same thing here waited on hold the past three days for over 40 min each time!

      • Felisa D Richards on June 1, 2020 at 6:57 pm

        Try Faxing them at
        (866) 712-5698 the number is good but plan on holding an hour.

        • Rocodrin on July 7, 2020 at 3:06 pm

          Estos tipejos son todo logos se especializaron en 5mil títulos tienen todas tus respuestas he inquietud es
          Gracia de cabrones,👺🤮🙄😱🤬

        • Sheila on July 20, 2020 at 4:14 pm

          My mortgage was sold to Gregory Funding last November, my insurance and taxes are included in my mortgage payment. My loan is an FHA. My insurance was paid up through my escrow but when it came due again Gregory Funding wasnt even on my record as my mortgage holder. I contacted them and the payment was paid BUT…THEY SENT ME A LETTER STATINF THEY WILL NOT BE PAYING MY INSURANCE OUT OF ESCROW AFTER THIS ONE TIME. I say WHAT???? I’ve had my FHA mortgage for 13 years and its always the same now this??? I cant pay a 1100 insurance and make the same payments each month as though I were paying the amount to cover my insurance! WHAT are you going to do with the money going in supposed to be paying my insurance??? I will probably have to get a lawyer involved!!

          • Rebecca marks / Louis Zappulla on August 29, 2020 at 5:37 pm

            I am having the same problem! Don’t understand how an impound account was mandatory on my loan so how can they decide to change it? I couldn’t afford a 3,000 insurance premium to get my own insurance so Gregory Funding gave me their forced insurance and now my payment had gone up 500 more a month and their insurance only covers them. They have no problem collecting and paying for this insurance.. has is this ok and what can I do about it?

          • T on September 1, 2020 at 1:42 am

            I am having the same problem and I have talked to a lawyer. But no news yet.

          • T on September 1, 2020 at 1:54 am

            I have insurence they paid it and now there are still charging me there hazard insurence. And I got the letter about no escrowing it . So hmmmmm

          • Jen on December 30, 2020 at 6:46 pm

            NYS Residents –

            REACH OUT TO THE Attorney General Office for help!!! Help Line at (800) 771-7755.

          • Marina Arvizu on January 18, 2021 at 12:55 pm

            They did the same with me and I scheduled monthly payments for insurance. Not the whole year. I also eventually saw a drop in payment.

          • Robbie Salmon on February 2, 2021 at 4:07 pm

            Yes. I have ran into the same. I had covid relief. After 3rd month they want me to pay 6000.

        • Walter L Coles on December 2, 2020 at 12:50 am


      • T on September 1, 2020 at 1:45 am

        Or you can do online they are hard to get ahold of and I am having so many problems with them. Hmmmm this company .

    • S on July 20, 2020 at 3:53 pm

      That happens to me ALOT!!!

    • Ang on November 21, 2020 at 11:28 am

      Did you get that not in? How long have you been with this co.?

  2. John Nersinger on May 7, 2020 at 6:32 pm

    This is crap.ive been trying to make a payment and nobody answers the phone and the website wont let us in.if i didnt know better, they’re trying to take my house. I’m consulting my attorney in the morning.

    • Kim Byrom on May 21, 2020 at 9:34 pm

      Aggravated with this company!

    • Felisa Richards on June 1, 2020 at 6:54 pm

      Trust your instincts – they are shady. I had a Fed judge order them to do a loan mod and I am represented by an atty. I am in active BK 13 due to mortgage fraud conducted by Wells. I proved my case in court and Wells had to amend their claim. Because I outed them, they sold the loan to Gregory who, without following ANY of the mortgage rules, tried to file for a relief from stay behind my back. I wasn’t represented at the time but I refuted their motion and won! That’s when the judge ordered them to work something out. I submitted a “perfect packet” on 3/9 (I used to do loan processing so trust me when I say perfect). They tried to say my package wasn’t complete but in fact, a document they wanted was never requested by them nor did they provide the needed form. I found one on the HUD website and submitted it. Its been one thing after another and 90 days later they have not proposed anything. In addition, they are processing a loan modification on their loan assistance packet but on the website, they have a disclosure that states “they are only the servicer and cannot modify loans.” I’m not sure why you aren’t able to access via internet but try saying you forgot your user name and forgot your password. Also, try using a different browser like Chrome. I even think you can get through to their customer service number and/or IT. I call every week so I do know you have to hold for an hour but I get through. The number I call is: (866) 712-5698 Also, they gave me an Efax not listed on their site: You can always send a fax their and it’s taking them about 4-5 days for any correspondence through fax or portal.

      • Herb Suvaco on July 15, 2020 at 8:22 pm

        who is your attorney you used with Gregory Funding> I’m having a similar issue.

        Thank you

      • donna BARAJAS on August 12, 2020 at 6:46 pm

        I’ve never had a problem making my payments. the longest i waited was maybe 15 min and i schedule my payments easy

        • Mayte on September 17, 2020 at 6:42 pm

          The same with me. Since the beginning of this year, I have not been able to contact with them by phone

          • Emmanuelle Saint-Firmin on December 20, 2020 at 9:31 am

            I have been calling Gregory Funding for the past three weeks, each time I have to wait for more than 3 hours – I work during the day and sometimes I have to hang up and dial the number again for another 3 hour wait – I still have not been able to reach anyone. I was unable to even make my payment online. This is terrible !

      • Dedre on December 24, 2020 at 5:53 am

        What was your atty name and number?

    • Georgette Pike on August 3, 2020 at 4:04 pm

      They charged me a late fee of 15.00 and it’s THIER faulf

    • Ang on November 21, 2020 at 11:30 am

      How did it go?

  3. Christian on May 8, 2020 at 10:39 am

    True, they don’t answer

    • Camille on December 1, 2020 at 2:32 pm

      I have been having the same problem time and time again, come on no company is ever that busy where the phone lines are not answered, this system is so corrupt I’m tired of it all, all that you complained about I’ve been through and still is, can someone please explain it if you have the information please share, thank you Camille

  4. marie k lopez on May 14, 2020 at 11:22 pm

    They were not taking payments on the phone even before Covid19 started. You have to go online to make your payment.

  5. Dee on May 18, 2020 at 8:28 pm

    I’ve been trying to get in contact with customer service. Been on hold for an hours now and I’m still waiting please can someone call me back thank you .

    • Forbearance Report on May 18, 2020 at 8:47 pm

      Hi Dee, your servicer does not monitor this website. I would encourage you to also reach out to HopeNow. If you go to that link, you can complete the form on their page and they can help you contact your servicer.

      • Keith craig on June 24, 2020 at 5:12 am

        Would like to make some payment to my mortgage to get back in good credit standing.Give me a call as soon as possible.

        • Forbearance Report on June 24, 2020 at 3:18 pm

          Hi Keith, your servicer does not monitor this website. If you are having challenges reaching your servicer, please take advantage of the counselors at 995Hope.

  6. Virginia Harris on May 29, 2020 at 4:11 pm

    I need to pay my mortgage. Been calling since 5_15 2020. Tried to sign up on line getting error messages

  7. Felisa D Richards on June 1, 2020 at 6:56 pm

    (866) 712-5698 and plan on holding for 45 min to one hour or Efax at

  8. JUAN H CRUZ on June 15, 2020 at 5:11 pm

    This is so stupid I am on the phone for 1 hour and they don’t answer the phone I hate this why even waste mine time trying to make a payment

  9. JUAN H CRUZ on June 15, 2020 at 5:24 pm

    I am trying to get back with chase bank I never had any problems with paying the mortgage but now this is by far the worst bank Gregory funding sucks I wish that I win the lottery and pay off the total because all they do is collect late fees and their services sucks when make this comment is at 12 and they put a different time

  10. Mike Starkey on July 6, 2020 at 11:31 pm

    Have tried to contact them 4-5 times and on hold for over an hour each time. Called 866-712-5698, They do suck and thats for sure!

  11. Kim Byrom on July 14, 2020 at 7:52 pm

    Tired of no customer service from this company. They do NOT call you back. Hold times ridiculous

  12. Andre Allen on July 15, 2020 at 6:25 pm

    My loan was also sold to Gregory by Wells Fargo I was not aware until recently they are only a servicer not bank. the long waits on hold is horrible and they just set up website to make payments who are these people??

  13. Robert Barcus on July 18, 2020 at 3:12 pm

    I have worked with Gregory Funding (GF) to get a “Forbearance”, on my 20 year old mortgage previously held by Wells Fargo. Late Dec. 2019 my loan was sold off to a private real estate trust w/ Gregory Funding being the new servicer. After having my work reduced mid January and finally furlowed in March. I started holding my mortgage payments to preserve my money for anticipated living expenses. Details could take to long…. I finally negotiated the process of GF, forbearance process to be told they want not only my Full 1 year of insurance payment in advance but all past tax payments to bring my escrow current. OK…. Then they want me to start making my mortgage payments short my insurance immediately but will modify the terms of my loan by increasing my interest rate for the ballence of the loan 10 years. Is this legal or just taking advantage of my situation
    Robert B.

    • Forbearance Report on July 18, 2020 at 4:31 pm

      Robert, it sounds like your mortgage may not be Federally backed. Unless you live in a state that has passed local legislation to address non-federally backed mortgages, Gregory has the ability to offer you it’s own workout options and does not necessarily follow the CARES Act.

      If you are able to make your payments under this arrangement temporarily, you can refinance once you’ve established positive payment history.

      For instance, if you skip payments during forbearance, and then go into a repayment arrangement, you could use a conventional loan to refinance into today’s low rates after 3 on-time payments.

      • Selena on July 23, 2020 at 8:36 pm

        Are you saying that 3 on time payments will be sufficient for re-fi? Through another institution, I’m assuming you mean?

        • Forbearance Report on July 27, 2020 at 5:06 pm

          Hi Selena, this is an FHFA guideline. That means you can use Fannie Mae or Freddie Mac underwriting guidelines after you’ve made 3 on-time payments under the repayment (or deferment) plan.

          If you did not skip any payments while in forbearance, or if you paid all skipped payments back at once, prior to applying for the new loan, in that case there is no waiting period and you would be eligible to buy or refinance right away.

          And yes, you can use any lender for the new loan, that should not matter. As long as the lender is following the guidelines, you should be fine.

    • Jen on December 30, 2020 at 6:47 pm

      NYS Residents –

      REACH OUT TO THE Attorney General Office for help!!! Help Line at (800) 771-7755.

  14. S on July 20, 2020 at 3:54 pm

    That happens to me All the time!!! Who runs this business??

  15. phyllis on July 23, 2020 at 6:03 pm

    Well they sent me a cares forbarrence letter telling me I was approved with all the details
    When I called them they said all the letters were sent in error?
    I was in a modification made all the payments I’m not late but now they are starting I’m behind.
    I have paid over 25,000 since September I’m not sure what they are trying to do?
    I told them I want a print out because I don’t trust them.

  16. Marilyn on July 27, 2020 at 5:56 pm

    Yes I have been trying to contact them as well with no answer.

  17. Howard Franklin on July 31, 2020 at 7:02 pm

    my home loan was sent to Gregory funding 2016 from caliber home loans i have not missed a payment with caliber i had a temporary agreement. the loan would be reviewed after five years of course Gregory funding obtain the loan and the end of five years we are back where we started at the i could not afford the original payment with the original loan through H S B C .i have not missed a payment Gregory funding i have entered a agreement with in six months we will give me a new loan i do not feel i can trust them also i was told that they do report my payments to credit companies because they do not have to

    • Rhonda on August 19, 2020 at 11:22 pm

      Yes last week , I got scamned from some gentleman cla iming he worked for Gregory funding accounts dept. I paid him 1773$- for shortage in my escrow account. The call came from gregory funding #- then after I paid 1773$- to them, a real agent called me and stated that there was no one with that mane that worked for gregory funding, …she said make a police report and shed note what happened in my name and not to give anyone any info. Or payments, that they’d only go through my actual bank account!!!

      • Jen on December 30, 2020 at 6:45 pm

        NYS Residents – NY legislature met for an emergency session and passed A11181/S9114 yesterday. The bill freezes evictions and foreclosures for 60 days and creates a hardship mechanism through which renters and homeowners can get longer relief after submitting a declaration that they’ve experienced COVID-related hardship.

        REACH OUT TO THE Attorney General Office for help!!! Help Line at (800) 771-7755.

  18. CARRIE ERIN DE RIDDER on October 12, 2020 at 7:04 pm

    THESE PEOPLE ARE STRAIGHT OUT PREDATORY LENDERS AND THEIVES. Last November 2019 BOA sold my loan to Gregory Funding. I happened to fall behind that very month due to illness- like hospitalization severe illness-not the flu. I was out sick till February 2020 when BAM- then Covid hit. I am a high school special ed teacher and my partner is a disabled USMC veteran so we are not rich people but we work hard and pay our bills. I reached out to Gregory Funding in July to ask for help as we were now 6 months behind due to the pandemic but we were in a position to catch up as we were both back to work. They acted like they were helping. Sent me forms and letters- all of which I filled out and returned. As of Sept. 30th, I had returned every single document plus some additional to just cover all areas. I really thought “man these folks are great!” LOL- THEY ARE PREDATORS. I called on Oct.9th to check on my account and actually got through to a human being (WHICH THEY RARELY ANSWER THE PHONE WITHOUT BEING HUNG UP ON OR ON HOLD FOR HOURS!!!) that said my home was being auctioned that day and basically was told oh well. The rep Eric then David said that since I wanted my child support to be included in my income I needed to supply official sealed court documents- not official court copies or schedules or signed agreements or bank accounts or deposits BUT the official divorce document HOWEVER HE DID NOT ASK ME OR TELL ME or COMMUNICATE THIS TO ME BECAUSE THERE WAS NO SPACE ON THE LETTER TO PUT THAT OR MARK IT. I AM NOT KIDDING. THAT IS WHAT I WAS TOLD. He then said he called and left a voice message at who knows what number and that is it? A voicemail. After I had returned every single document they had asked for in every prior letter. These people are evil. And the man was almost flippant about telling me oh well you and your 3 kids have no home now. Do I have any legal resource? What can I do?

    • Jen on December 30, 2020 at 6:44 pm

      NYS Residents – NY legislature met for an emergency session and passed A11181/S9114 yesterday. The bill freezes evictions and foreclosures for 60 days and creates a hardship mechanism through which renters and homeowners can get longer relief after submitting a declaration that they’ve experienced COVID-related hardship.

      REACH OUT TO THE Attorney General Office for help!!! Help Line at (800) 771-7755.

  19. Sharon Foster on December 1, 2020 at 4:28 pm

    I am having the same issues as others. My homeowners insurance was not paid by Gregory Funding to my insurance company and now I’m being held liable for the amount. I cannot get anyone on the phone have been calling for weeks. I need help.

  20. Jenny on December 30, 2020 at 6:44 pm

    NYS Residents – NY legislature met for an emergency session and passed A11181/S9114 yesterday. The bill freezes evictions and foreclosures for 60 days and creates a hardship mechanism through which renters and homeowners can get longer relief after submitting a declaration that they’ve experienced COVID-related hardship.

    REACH OUT TO THE Attorney General Office for help!!! Help Line at (800) 771-7755.

    • Walter wojcieski on January 9, 2021 at 12:26 am

      Been on hold from12- 3 pm
      Is there anyone there?
      What’s going on

  21. Muchel on January 8, 2021 at 11:44 pm

    Been on the Damm phone over an HR and no answer yet the fucken idiots what there money

  22. Hward Franklin on January 9, 2021 at 2:23 am

    I completed the forbearance that was required and have not heard anything from Gregory Funding what is next.

  23. Pamela Cook on January 19, 2021 at 1:15 pm

    I need help. Six members of my family tested positive. We buried my brother in law December 28th.I’ve been spending my money to help my family members with food and gasoline.

  24. Lou Hill on April 14, 2021 at 6:26 pm

    I had to pay my homeowners insurance effective January first because Gregory Funding would not pay State Farm their money, but they still deduct money for my escrow account. I have been trying desperately to contact this company but no one answers the phone or faxes. I cannot afford an attorney to look into this discrepancy but filed a claim with BBB.

  25. keisha scott on April 21, 2021 at 3:47 pm

    i have trobmle with gregory funding from the start of my loan. looking for covid relief with no help from them. started with forbearance and they said the never recieved any thing faxed four times and nothing.

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