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HARP: The Final Countdown to...

If you are among the more than 300,000 homeowners who still qualify for HARP refinancing, you could be paying more for your home’s current mortgage then you need to.  

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Mortgage Assistance

Having trouble paying your mortgage? Call us at 800-893-5304 Ext. 9208.

You may have options:

Options to Stay in Your HomeOverviewBenefits
RefinanceReceive a new loan with lower interest rate or other favorable terms.Lowers your monthly payment and/or improved your terms.
ReinstatementPay the total amount you owe, in a lump sum payment and by a specific date. This may follow a forbearance plan as described below.Allows you to avoid foreclosure by bringing your mortgage current if you can show you have funds that will become available at a specific date in the future.
Repayment PlanPay back your past-due payments together with your regular payments over an extended period of time.Allows you time to catch up on late payments without having to come up with a lump sum.
Forbearance PlanMake reduced mortgage payments or no mortgage payments for a specific period of time.Have time to improve your financial situation and get back on your feet.
ModificationReceive modified terms of your mortgage to make it more affordable or manageable after successfully making payments during a "trial period" (that is, completing a three- or four-month trial period plan) that approximates the modified payment.Permanently modifies your mortgage so that your payments or terms are more manageable as a permanent solution to a long-term or permanent hardship.
Options to Leave Your HomeOverviewBenefit
Short SaleSell your home and pay off a portion of your mortgage balance when you owe more on the home than it is worth.Allows you to transition out of your home without going through foreclosure. In some cases, relocation assistance may be available.
Mortgage Release (Deed-in-Lieu of Foreclosure)Transfer the ownership of your property to us.Allows you to transition out of your home without going through foreclosure. In some cases, relocation assistance may be available.

To find out more about the options that may be available to you:

  • Contact us at 800-893-5304 Ext. 9208 to discuss options that may be available to you.
  • See our Homeowner Checklist for documents that you will need to provide.
  • Apply for assistance by contacting our Home Retention department at 800-893-5304 Ext. 9208.

You can also get help from a HUD-certified housing counseling agency by calling 800-569-4287.

Washington Residents – Call the Washington Home ownership Hotline at 1-877-894-HOME (1-877-894-4663)

Downloadable Documents