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You've done all your homework, talked to a housing counselor and tried to talk to your lender. But, the lender won't work with you. What do you do now?
For an FHA-insured loan
Your lender has to follow FHA servicing guidelines and regulations for FHA-insured loans. If your lender is not cooperative, contact FHA's National Servicing Center toll free at (888) 297-8685, or via email.
Whether by phone or email, please be ready to give the full name(s) of all persons listed on the mortgage loan and the full address of the property including city, state and zip. If you can also provide your 13-digit FHA case number from the loan settlement statement that would help move things more quickly, but it isn't required.
For a VA-insured loan
First, visit the VA Foreclosure Alternatives page. If you
need assistance or have additional questions, talk to a Loan Service
Representative.
For conventional loans
If you have a conventional loan, first talk to a HUD approved Housing Counselor (or call (800) 569-4287). They may be able to help you with your
lender. You can also contact Hope Now (1-888-995-HOPE) to ask for assistance in working with your lender.
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