Each loan option is made up of 3 elements: 1. Loan Term. This represents how long you have to repay your loan. The most common loan terms are 30 years and 15 years, but there may be other durations depending on your loan type and other factors.

If it’s getting harder to make your payments but you haven’t fallen behind yet, you may have a simple, effective option: Refinancing your mortgage to one with a lower monthly payment. To refinance as part of a mortgage assistance plan, your account needs to be current for the p...

While refinancing means replacing your existing loan with a new one, loan modification keeps your existing loan and changes its terms. If you’re facing a long-term hardship, we can review you for a loan modification to determine if more manageable terms ar...

If it’s getting harder to make your payments but you haven’t fallen behind yet, you may have a simple, effective option: Refinancing your mortgage to one with a lower monthly payment. To refinance as part of a mortgage assistance plan, your account needs to be current for the past ...

If you’re facing a long-term hardship, we can review you for a loan modification to determine if more manageable terms are available. While refinancing means replacing your existing loan with a new one, loan modification keeps your existing loan and changes its terms.

What kind of assistance options are available if I cannot pay my mortgage? Your options may include refinancing, repayment plans, and loan modification.

Recasting a mortgage happens when you put down a lump-sum payment toward the principal balance and the lender re-amortizes the loan. Since you are paying down your principal by a large amount, your monthly payment will be lowered, but your interest rate and loan terms will remain...

While refinancing means replacing your existing loan with a new one, loan modification keeps your existing loan and changes its terms. If you’re facing a long-term hardship, we can review you for a loan modification to determine if more manageable terms ar...

Solutions may include, but are not limited to: Deed in Lieu of Foreclosure. Complete a mortgage assistance application online now and let us know what’s going on. We’ll help you determine a plan of action and next steps based upon your circumstances. You can also contact us if you ha...

Here are the key elements included in your monthly statement, along with a visual guide to help you locate them: 1. Statement Information. This is your basic information, like the date your statement was generated, loan number, amount due, and payment due date. 2. Explanation of Amou...