The goal of home retention is for you to avoid foreclosure and keep your home. If you are having financial difficulties, please review our home retention information to explore your available options. Please remember that this is a communication from a debt collector and any information sent to us will be used for that purpose.
Losing your home can be devastating both personally and financially. There are many unforeseen situations that may cause you to get behind on your mortgage payment, such as:
- Unemployment
- Underemployment
- Divorce or separation
- Medical issues
- Loss of family
- Military deployment
- Retirement
- Disaster
You can prevent foreclosure and the loss of your home. Don’t be embarrassed or afraid to contact us. We want to help you avoid foreclosure and stay in your home. We can help you contact a local credit counselor, who will be able to review your bills, prioritize your payments, and work with your creditors to meet a budget plan.
Take action. If you can’t make your payment, complete these three steps:
- Click the Options tab.
- Click the Request Help tab and complete the financial request. This is a secure form where you can provide us with your financial details, so we can determine together what options are available to you.
- If you need assistance, call 866-681-2264 to speak with one of our associates. We can personally review your home retention options with you.
There are several options available to prevent foreclosure. The option available to you is determined by your loan servicer based upon your individual circumstance.
Depending on your financial situation, we may offer you:
- Unemployment Special Forbearance
- Loan Modification
- Short Sale
- Deed-in-Lieu of Foreclosure
If you believe one of these options may meet your needs, please complete the Borrower Assistance Form, IRS form 4506T, Expense Statement and Hardship Letter accessible through the Financial Request button below.
Should you require additional clarification, please visit our Help Request tab and complete the financial request. A loan counselor will review your information and contact you to discuss your situation.
Below are the general income and other required documents recommended to start gathering when initiating this process.
- Pay Stubs
- Most recent P&L (if applicable)
- Most receent tax return filed
- SSI Award Letter L (if applicable)
- Proof of any additional income
Once you determine you need help, please provide us with your financial status details so that we can better provide you with the available home retention options.
Please complete and submit the financial form. A loan counselor will review your information and contact you to discuss your situation. Please remember that this is a communication from a debt collector and any information sent to us will be used for that purpose.
