Home Loan Servicing Home Loan Servicing
Homeowner Assistance

We're Here to Help

In the mortgage industry, hardship is defined as the reason why a homeowner is having difficulty making his or her mortgage payments, such as job loss, medical emergency, illness, divorce, etc. A hardship may be short term (less than six months) or long term (more than six months).

Unfortunately, in today’s economy, more and more people are experiencing a financial hardship and having difficulty paying their mortgage. If you find that you are struggling to meet your payments and concerned about falling behind, call us now—we’re here to help!

We’ve helped more than 65,000 homeowners avoid foreclosure by working together on loan modifications, and we’ll work WITH YOU on your unique situation to find the best solution FOR YOU.


There may be multiple assistance options available to you if you are having difficulty paying your mortgage. Qualification depends on your financial situation and factors relating to your loan(s). For example, we may be able to modify the terms of your loan, potentially reducing your interest rate and thus your payment amount. If you are not able to keep your property, there may still be options available to you other than foreclosure, like selling your home for less than the balance or deeding your property in exchange for cash or a six-month lease.

Homeowners who are struggling with their mortgage payments are facing tough choices—do you stay in your home or should you transition out of a home to avoid foreclosure?