We're Here To Help

We know life can be unpredictable. If you’re having trouble making, or keeping up with your mortgage payments, we might have options to help you stay in your house and avoid foreclosure.

Our Team


Of Scams

Home Retention Options

We have several options that could help you stay in your house, from refinancing, to modifying your loan payment, starting a repayment plan, and more.


A new mortgage could mean a lower monthly payment and possibly a lower rate and/or shorter term.


A lump-sum payment of the total amount owed by a specific date.

Repayment Plan

Make up missed payments by adding a portion of the past due amount to your regular monthly payment over a set time period.

Forbearance Plan

Make reduced mortgage payments, or no payments for a set period of time.


Missed payments are paid at the end of the original mortgage loan term.

Loan Modification

Make your home affordable by adjusting the terms of your mortgage to reduce your monthly payments.

Contact Our Team

Your first step is to contact our Credit Solutions Team. They can help you understand what options might be available to you.

How To Contact Us

Our team is available Monday – Friday 8:30 AM – 5:00 PM.

Phone Number

800.442.2800 ext. 8890

What You Can Expect To Discuss

Other Options

Another option you may consider exploring is Department of Housing and Urban Development-approved counseling. HUD counselors are also available to provide you with the information and assistance you may need to avoid foreclosure. To find HUD-approved organizations in your area, you can call or search online below.

HUD Phone Number


HUD Online Search Tool

Beware of Foreclosure Scams

Scam artists are more clever today than ever before as they attempt to lure you into their trap with promises of immediate relief from foreclosure, or they demand money for financial counseling services. If an offer sounds too good to be true, it probably is. Always remember, help is free from is free from the U.S. Department of Housing and Urban Development (HUD).

How To Spot a Scam

Beware of a person or company who:

How To Report a Scam

If you think you've been the victim of a scam, you can do the following:

  • Visit the Loan Modification Scam Prevention Network at and submit an online complaint form. You can also fax, e-mail, or mail the completed form by referring to the back of the form.
    • The Loan Modification Scam Prevention Network is a national coalition of governmental and private organizations led by Fannie Mae, Freddie Mac, NeighborWorks America™, and the Lawyers’ Committee for Civil Rights Under Law).
  • Call 1-888-995-HOPE (4673) and inform the counselor about your situation and that you think you’ve been involved in a scam. The Homeowner’s HOPE™ Hotline provides free, 24/7 comprehensive foreclosure assistance and housing counseling services.

Zero Down Payment Offer

To make the process as simple as possible with our Zero Down Payment mortgage offer, we encourage you to speak with a mortgage expert so they can explain the requirements and guide you through the process!

Find An Expert Near You

Need Help? Contact us at 800.442.2800 and we will help you get started with the application process.