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Help CenterMortgage AssistanceLoan Modification Details
Mortgage Assistance

Mortgage Assistance

Disaster Resources

What To Do After a DisasterExplains what steps to take after a disaster

Mortgage Assistance

Potential Mortgage Assistance SolutionsLists the most common mortgage assistance solutionsAvoiding & Reporting Mortgage ScamsProvides red flags to help avoid mortgage scamsApplying for Mortgage AssistanceExplains the application process and lets you quickly apply onlineSending Your Mortgage Assistance DocumentsWhere to send your mortgage assistance documentsRepayment Plan DetailsHow a repayment plan can help with financial hardshipMortgage Assistance for Military MembersMortgage assistance options and eligibility for military homeownersShort Sale InformationExplains a short sale and how to begin the processDeed in Lieu of Foreclosure (DIL) InformationExplains a DIL and how to begin the processTerminating the FHA Payment SupplementExplains how to terminate the FHA Payment Supplement

Additional Resources

HUD CounselingAn alternative method of mortgage assistanceHomeowner Assistance FundProvides information on an additional resource for homeownersUnemployment ResourcesExplains resources for customers who are unemployed

Frequently Asked Questions

You can complete a mortgage assistance application online and let us know what’s going on. We’ll help you determine a plan of action and next steps based on your circumstances. If you’d prefer to mail or fax your application, you can also download it.

Note: We need to have your complete mortgage assistance package (application with all supporting documentation) before we can evaluate you for available solutions. Please be aware that any collection or foreclosure processes will not be halted unless we receive the complete mortgage assistance package. Time is of the essence as foreclosure may not be able to be halted if the documents are received too close to the foreclosure sale date (this may vary by state).

The document requirements will be unique to you. The mortgage assistance application lists all required documentation. If additional information is needed during the underwriting review, we’ll contact you. Read more

Mortgage assistance is a general term that covers a variety of programs and solutions intended to help homeowners who are experiencing financial difficulty and having trouble making their mortgage payment.

Your options may include repayment plans or a loan modification.

Loan Modification Details

If you’re facing a long-term hardship, we can review you for a loan modification to determine if more manageable terms are available.

  • While refinancing means replacing your existing loan with a new one, loan modification keeps your existing loan and changes its terms.

  • If you qualify for a loan modification, some potential ways to reduce your monthly payment would be through lowering your interest rate or extending the term of the loan.

Specific eligibility requirements may vary depending on the loan’s investor or other factors.

Trial Period Plan

If you’re approved for a loan modification, in some cases, you will be required to first complete a Trial Period Plan. This is a temporary payment relief period that allows you to demonstrate that you can consistently manage the estimated modified mortgage payment.

  • You will have a new monthly payment amount during this Trial Period Plan.
  • If you make timely payments and meet all requirements stated in the Trial Period Plan terms, the permanent loan modification documentation will be prepared and sent to you for execution.

You can learn more about the application process or apply online now.

What is a Trial Period Plan?