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1. Educate yourself.

The information on our site can help you determine your options and whether you would like to stay in your home or want to make plans to leave.

2. Contact Us.

Call us at 866-638-4284 to tell us you are interested in exploring your options and want to see if you qualify.

3. Explain your current situation.

Be ready to outline your current hardship and explain why you are having trouble making your mortgage payment and if this is a short-term or long-term problem. We will need to understand the reasons why you are having difficulty in order to find the right solution for you.

4.Gather your financial information.

Make sure you have your basic financial and loan information on hand when you call us. You’ll need:

• your mortgage statements, including information on a second mortgage (if applicable)
• your other monthly debt payments (e.g., car or student loans, credit card payments)
• your income details (paystubs and income tax returns)

5. Use our Helpful Forms to help you prepare