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 Loss Mitigation Department toll-free at 1-866-397-5370. A member of our staff 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 IS 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.
Cale Ferland is one of the most knowledgeable and patient individuals I have come across! Highly Recommend, I'm not on to give glowing reviews but when credit is deserved it's only fair. Cale took a potential difficult process and did some amazing work, I spoke with several big bank lenders and they not only didn't understand but were very scripted. Cale listened to my concerns and along with his experience and knowledge, he rolled up his sleeves and went to work! I got a great rate and an even better home. Job well done, Sir!
I would like to thank you and your organization, on how professional your help is. Sara made things so simplified and easy to attain my new house. It’s just not the mortgage, it’s her experience and know how. She made the process a pleasure. You are fortunate to have her. If things got turbulent, she knows how to make calmness out of the situation. It is stressful sometimes when purchasing a property, and she makes it so simple and so secure.
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