Servicer Contact Options
From Servicer Website
If preserving your home is your goal or perhaps your circumstance is temporary, your mortgage payment assistance options may include:
If you have experienced a short-term financial difficulty, and are now in an improved financial situation, a repayment plan may be a good option for you. A repayment plan may allow you to make regularly scheduled payments plus an additional portion of the past due payments to bring your loan current. This option may affect your credit.
This option temporarily suspends or reduces your regular mortgage payment allowing you time to recover from a short-term financial problem. Once your financial condition improves, we can discuss options to bring the loan current. Most often, this option is used during temporary hardship, such as unemployment. This option may affect your credit; however, the impact may be less than a series of late payments.
Mortgage Loan Modification
If you can’t afford your current mortgage due to financial hardship, and you want to stay in your home, we may be able to change certain terms of the loan — such as the interest rate, term or the time allowed for repayment — to make your payments more affordable. Any change to the original terms is called a loan modification. There are multiple loan modification programs available that offer different options for borrowers in different situations and are meant to help people keep their homes when facing significant hardship. We’ll work with you to determine whether a loan modification or another option may work for you.
This option allows you to pay all past due amounts in a single lump-sum payment and bring your mortgage current immediately. The reinstatement amount is the total amount of past due payments that may include late fees and attorney costs.
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.