We strive to provide excellent customer care on every loan.
Monday to Friday, 8:00 AM to 5:00 PM ET
LOSS MITIGATION AND EXPLORING ALTERNATIVES TO FORECLOSURE
During the course of home ownership, increased expenses or changes in your family income may make it difficult to pay your bills including your monthly mortgage payments. You should always keep your mortgage payments current if possible. But if you cannot continue to make your monthly mortgage payments for reasons beyond your control, please contact us to discuss various alternatives to foreclosure depending on your specific circumstances.
If your payment difficulties are temporary, you may qualify for one of the following options:
If your payment problem is long-term or it is not likely that you will be able to bring your loan current at any time, other options may be appropriate including the following:
Please call our Loan Servicing Department toll-free at 866.865.3400 Option 4 so that we can direct you to the correct loss mitigation department depending on who is servicing your loan. If we retained the servicing rights for your loan, a servicing staff member will conduct an interview to determine your circumstances and explore options that may be available to you.
Please do not delay – the sooner that you call, the more likely we can find an alternative for you. In order to begin the review process, please have the following information available and ready when you call:
The U.S. Department of Housing and Urban Development (“HUD”) sponsors housing counseling agencies throughout the country that provide advice and guidance regarding mortgage loan defaults, foreclosures, credit issues and foreclosure alternatives. You can find a HUD counselor in your area by visiting the HUD Website or by calling HUD toll-free at 800.569.4287.
NOTE: THIS MAY BE AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED DURING A CALL WILL BE USED FOR THAT PURPOSE. IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN BANKRUPTCY OR HAVE BEEN DISCHARGED IN BANKRUPTCY, THIS SUMMARY IS FOR INFORMATION PURPOSES ONLY AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT.
THE FOLLOWING DISCLOSURE NOTICE ONLY APPLIES TO RESIDENTIAL MORTGAGE LOANS ON REAL ESTATE LOCATED IN TEXAS
COMPLAINTS REGARDING THE SERVICING OF YOUR MORTGAGE SHOULD BE SENT TO THE DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TX 78705. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 877-276-5550.
A complaint form and instructions may be downloaded and printed from the Department’s website located at www.sml.texas.gov or obtained from the department upon request by mail at the address above, by telephone at its toll-free consumer hotline listed above, or by email at email@example.com.
THE FOLLOWING DISCLOSURE NOTICE ONLY APPLIES TO RESIDENTIAL MORTGAGE LOANS ON REAL ESTATE LOCATED IN OREGON
Residential mortgage loan servicers are regulated by the Oregon Division of Financial Regulation. To file a complaint, call (866) 814-9710 or visit http://dfr.oregon.gov