Having trouble making loan or credit card payments? We’re here to help. Some options can include:
呼叫。 us for help: 800.358.8228 x 7145
Repayment plan: The borrower agrees to repay the past due amount and current payments together over an extended timeframe, and catch up on the loan.
Recapitalization plan: The past due balance (principal and interest) is added to the current balance. This total amount is re-amortized and split into payments over the remaining original loan term.
Loan modification: Any loan changes that make the loan more affordable, such as a lower interest rate or longer term date.
Short sale: Sell your home, when you owe more than its value, to pay off a portion of your mortgage balance.
Deed in lieu of foreclosure: The transfer of ownership to Patelco. This eliminates the debt and avoids foreclosure.
Fannie Mae customers: Your loan may have additional assistance options.
You can also connect with a HUD counselor for additional support at 800.569.4287.
To check the status of your loan modification, 呼叫。 800.358.8228 x 3999 or 电子邮件 us.
To appeal a modification decision, 呼叫。 800.358.8228 x 3999 or 电子邮件 us a summary of your appeal.
Appeals timeline
If we don’t meet these timelines, we’d like to know. 联系 us at 800.358.8228 x 3999 或通过 电子邮件.
If you’re experiencing financial hardship, you have access to a number of resources that can help.
Consumer loans support
信贷 counseling services
免费的 financial counseling from HUD
Loan mitigation specialists
Loan mitigation appeals
