Loss Mitigation Phone Numbers

This is the most complete list of lender loss mitigation contact information on the internet. It is sorted in alphabetical order. If you have some information on your lender or different contact info that I am not privy too or I have a wrong number or web address then please let me know so we can all help each other.

The first step to stop foreclosure is to contact your lender and try and obtain a reasonable loan workout or repayment plan. The quicker you get the ball rolling, the better chance you have of striking a deal with your lender, so you can save your home and your credit Please start making calls, get educated and have all your ducks in a row. The hardest call is the first. It only gets easier after that.

More than 50% of foreclosures would be avoided if people contacted their lender. So be proactive and aggressively pursue all options you have because you do have quite a few tools you can utilize to mitigate as much loss to you, your credit and your family. If your are short on time and you cannot do it on your own, then please seek help from a Non-Profit HUD approved Housing Counselor, an attorney or a legit for profit that can handle the calls and paperwork for you.

Time is ticking and it goes by fast when you’re behind the infamous 8 ball. As Nike would say, “Just Do It!”

This post will be a work in progress and I plan to make it the most complete FREE list on the internet. Please feel free to post this on your website or blog but you must have a link with the anchor text stop foreclosure. Just email me and let me know where it will be on your website.

Lender/Servicer Loss Mitigation Phone Numbers & Contact Information

ABM AMRO Mortgage (800) 783-8900

Accredited Home Lenders(877) 683-4466

AMC Mortgage Services (Also handles loans originated by Ameriquest and Argent) (800) 211-6926
1600 McConnor Parkway
Schaumburg, IL 60173

American Home Mortgage Corp.(877) 304-3100*

Ameriquest Mortgage (Debt collection — see AMC Mortgage Services) (800) 211-6926

Aurora Loan Services (Debt collection) (800) 550-0508
By Overnight Mail:
601 5th Avenue
Scottsbluff, NE 69361
Attn: Customer Service
By Regular Mail:
P.O. Box 1706
Scottsbluff, NE 69363
E-mail: ccnmail@alservices.com
Web: https://www.alservices.com/Consumer/UI/SSL/Authentication/Login.aspx?ReturnUrl=%2fConsumer%2fUI%2fSSL%2fServ icing%2fDefault.aspx

Avelo Mortgage LLC (866) 992-8356*

Bank of America(800) 846-2222

BB&T Mortgage (800) 827-3722*

AmTrust Bank (fka Ohio Savings Bank) (888) 696-4444

Beneficial (800) 333-5848

Central Pacific Bank (800) 342-8422*

Charter One (800) 234-6002

Chase (800) 446-8939
Chase Home Finance (800) 848-9136 (customer service) (858) 605-2181 (delinquency customer service)
Chase Home Finance-New Jersey(800) 446-8939*Chevy Chase Bank(800) 933-9100*
Web: https://chaseonline.chase.com/chaseonline/logon/sso_logon.jsp?fromLoc=ALL&LOB=COLLogon

Chase Manhattan Mortgage
(800) 446-8939 (Ohio
Servicing Center)
(800) 526-0072 (Florida Servicing Center)
(800) 527-3040 x533 (Florida Servicing Center)

Chevy Chase Bank (800) 933-9100
Web: https://www.chevychasebank.com/htm/payment.html (Payment Addresses)

Citi Financial Mortgage (800) 753-3673

Citimortgage (800) 283-7918

Countrywide (800) 262-4218

Ditech (800) 852-0656 (800) 449-8582

Downey Financial Corp.(800) 824-6902, ext. 6696

Deutsche Bank National Call Number on Mortgage Statement

EMC 800-723-3004
P.O. Box 141358
Irving, TX 75014-1358
Web: https://www.emcmortgageservicing.com/ccn/ccnsecurity.asp

EverBank (800) 669-7724 ext. 4730

Equity One (Debt collection) (866) 361-3460

First Horizon Home Loans (800) 489-2966*

Fifth Third Bank (800) 375-1745 Option 3

First Merit Bank (888) 728-9931

Flagstar Bank (800) 968-7700, ext. 9780

Fremont Investment & Loan (866) 484-0291

GMAC Mortgage (800) 850-4622

GreenPoint Mortgage Funding (800) 784-5566, ext. 5383*

Green Tree (877) 816-9125

Homecomings Financial (800) 850-4622*

HomeEq Mortgage Servicing ( Debt collection) (866) 822-1471

Household Finance (A HSBC Co.) (800) 333-5848

Household Mortgage (800) 333-4489
Household Mortgage -(Is now called HSBC Mortgage Services) (800) 365-6730

HSBC Mortgage Corp.(there is a difference between Mortgage Services and Corp. placed new number) (800) 338-6441
Default Resolution Team (if long term problem)
2929 Walden Avenue
Depew, NY 14043
(888) 648-3124 Loss Mit
(732) 352-7519 Fax

HSBC Mortgage (800) 338-6441
Default Resolution Team (if long term problem)
2929 Walden Avenue
Depew, NY 14043
(888) 648-3124 Loss Mit
(732) 352-7519 Fax

Huntington National Bank (800) 323-4695

Indymac Bank (877) 736-5556
C/O Loan Resolution Department

P.O Box 7014
Pasadena, CA 91107
(Monday – Friday 6:15am-7:15pm. (Pacific Time))
Web: https://www.indymacbank.com/contactus/loanResolution.asp

Irwin Mortgage (888) 218-1988
P.O Box 7014
Pasadena, CA 91107
Web: https://www.irwinmortgage.com/wps/portal/!ut/p/cxml/04_Sj9SPykssy0xPLMnMz0vM0Y_QjzKLN4g3sdAvyHZUBAAqwx 9c
E-mail: deliquency.prevention@irwinmortgage.com</strong>

James B. Nutter & Company (800) 315-7334

Key Bank (800) 422-2442

LaSalle National Bank (800) 783-8900

Litton Loan Servicing (800) 999-8501 or (800) 548-8665
Fax (713) 966-8820
4828 Loop Central Drive
Houston, Texas 77081-2226
Web: https://www.littonloan.com/index.asp

Loss Mitigation Department Hours:
Monday Eastern: 9 a.m. – 7 p.m. Central:8 a.m. – 6 p.m. Mountain:7 a.m. – 5 p.m. Pacific:6 a.m. – 4 p.m.
Tuesday-Thursday Eastern:9 a.m. – 9 p.m. Central:8 a.m. – 8 p.m. Mountain:7 a.m. – 7 p.m. Pacific:6 a.m. – 6 p.m.
Friday Eastern:10 a.m. – 6 p.m. Central:9 a.m. – 5 p.m. Mountain:8 a.m. – 4 p.m. Pacific:7 a.m. – 3 p.m.
Default Counseling Department representatives are also available most weekends on Saturday from 8 a.m. to 12 p.m. and Sunday from 10 a.m. to 2 p.m. (CST).

Midland Mortgage (800) 552-3000 or (800) 654-4566
Web: https://www.mymidlandmortgage.com/MyMortgage/Login/Login.asp

Mortgage Lenders Network (800) 691-0129
Web: http://www.mlnusa.com/customers/info_credithelp.asp

Mortgage Electronic Registration Systems (888) 679-6377

National City (800) 367-9305, Ext. 53221 or (800) 523-8654
Attention: Homeowner’s Assistance
3232 Newmark Dr.
Ohio 45342
(8AM-10:30PM ET, Monday – Thursday)
(8AM-5PM ET, Friday)
(8AM-Noon, Saturday)
Web: http://www.nationalcitymortgage.com/service_assistance.asp

Nationwide Advantage Mortgage Company (800) 356-3442, ext. 6002*

NationStar Mortgage (888) 850-9398* Press 0 for operator

New Century Financial Now Carrington Mortgage Services (800) 790-9502 or (877) 206-9904
(6:00 a.m. to 7:00 p.m. Pacific Time, Monday – Thursday)
(6:00 a.m. to 6:00 p.m. Pacific Time, Friday)

NovaStar Mortgage Loan Resolution Department (888) 743-0774 Non-English: (888) 743-0774, ext. 4523

Ocwen Federal Bank (800) 746-2936 or (877) 596-8560
Web: http://www.ocwencustomers.com/csc_fa.cfm

Attention: Financial Information
12650 Ingenuity Drive
Orlando, Florida 32826
Ocwen Financial Corporation
1661 Worthington Rd., Suite 100
West Palm Beach, Florida 33409
Phone: 877-226-2936

For serving Ocwen with legal process, please send to their registered agent:
Corporation Service Company
2711 Centerville Road, Suite 400
Wilmington, DE 19808
Phone: 561-682-8000, x8386

Option One (866) 711-1962 or (888) 275-2648
Web: http://www.oomc.com/servicing/servicing_baifaqs.asp

PHH Mortgage (Formerly Cendant) (800) 257-0460
For borrowers facing possible delinquency: (800) 330-0423*
For borrowers in the foreclosure process: (800) 750-2518
Web:https://www.phhmortgage.com/sso/mq/login.jsp?TYPE=33554433&REALMOID=06-9153316d-cf4d-4425-a5d7-c0b20a7b098d&GUID=&SMAUTHREASON=0&METHOD=GET&SMAGE NTNAME=phhmort-stb&TARGET=$SM$https%3a%2f%2fwww%2ephhmortgage%2ec om%2fhome%2flandscape%3fjpid%3dLogIn%26loginmode%3 dregistered&SMSESSION=NO

ResMae Mortgage Corp.(877) 473-7623, ext. 5944

Saxon (800) 665-7367

Select Portfolio Servicing (888) 818-6032
Fax: (801) 293-3936
Loan Resolution Department
P.O. Box 65250
Salt Lake City, UT 84165-0250
(Monday – Thursday 10:00 a.m. – 10:00 p.m. EST)
(Friday 10:00 a.m. – 7:00 p.m. EST)
(Saturday 9:00 a.m. – 1:00 p.m. EST)

SkyBank (800) 290-3359

Sun Trust Mortgage (800) 634-7928
PO Box 26149
Richmond, VA 23260-6149
Mail Code RVW 3003Web: https://www.suntrustmortgage.com/generalquestions.asp#

Third Federal Savings (888) 844-7333

US Bank (800) 365-7900

Wachovia Bank of Delaware (866) 642-8608

Washington Mutual (866) 926-8937 or (888) 453-3102 or (800) 478-0036 or (800) 254-3677

Waterfirld Mortgage (800) 957-7245
Fax: (260) 459-5390
c/o Loss Mitigation Dept.
7500 W. Jefferson Blvd.
Fort Wayne, IN 46804
(7 am – 10 pm EST Monday – Thursday)
(7 am – 9 pm EST Fridays)
(8 am – 2 pm EST Saturdays)
E-Mail: saveyourhome@waterfield.com
Web: http://www.waterfield.com/scripts/cgiip.exe/WService=wfg/pub/borrowerservices/delqasst

Wells Fargo (877) 216-8448 or (866) 261-5642 or (800)766-0987 or (800) 678-7986 for payment assistance
Borrower Counseling Services
Monday – Friday 8:00 a.m. – 9:00 p.m., CT
Saturday 9:00 a.m. – 2:00 p.m., CT
Web: https://www.wellsfargo.com/mortgage/account/

Wendover Financial Services Corporation (800) 934-1081 or (800) 436-1022
Web: http://www.wendover.com/borrowers.html

Wilshire Credit Corporation (888) 502-0100
P.O. Box 8517
Portland, OR 97207-8517
From 6 a.m. to 5 p.m. (Pacific time) Monday through Friday
Web: http://www.wfsg.com/borrower/borrower.aspx

*No direct line to the loss mitigation or loan modification department. But I am working on it

Loan Modification & Loan Workout Applications

Chase Loan Modification Application

Option One Loan Modification Application

HSBC Online Loan Modification Application

Private Contacts

Wendy Knafelc at Washington Mutual Loss Mitigation: (904) 732-8425 — wendy.knafelc@wamv.net

Best of Luck to You!


Founder & Homeowner Advocate
951-271-6283 Phone
800-734-8819 Fax
Moe at LoanSafe.org Email

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Posted in Loan Modification News | 88 Comments

88 Responses to “Loss Mitigation Phone Numbers”

  1. Flor Peralta says:

    Thanks for the info. It is a lot of work that you are doing.

  2. Moe says:

    Thanks for saying thanks. Yes, lots of work but well worth the effort.

  3. Cathy says:

    Countrywide has something called the HOPE TEAM which they have review each case. Do not talk to customer service when you call otherwise they will try to talk you into refinancing. Please clear you want to talk to someone in LOSS MITIGATION.
    Thanks for all YOU are doing to help.

  4. Annette says:

    What is Countrywides HOPE TEAMS phone number? I have been trying to get thought to the and have been unable to.

  5. Lisa says:

    Titanium Solutions contacted me at Countrywide’s request. Titanium helps “Educate Homeowners on options to avoid foreclosure” and helps “Mortgage Servicers regain communication with their Homeowners to find agreeable alternatives to foreclosure…The assistance and services of Titanium Solutions are provided to homeowners at no cost.” Last week, I submitted the financial info form, a hardship letter, and bank statements to their representative who came to the house (mostly to evaluate selling price, I imagine).

    The Titanium paperwork listed Countrywide’s Loan Workout Department number as 877-744-7691. I called that number today and was able to verify my loan modification request was received, complete and being reviewed by a negotiator which can take 7-14 days.

    CW sent a letter a few days ago asking me to contact their lawyer for my loan reinstatement amount. The law firm did not know if my modification request had been received or if it was being considered but they did give me a reinstatement amount valid through October 15th. (Their website at http://www.goldbeck.net/HomeRetention.htm does offer loan workout forms which they forward to lenders, though.)

    Anyway, I do have concerns about how the modification request will be handled (in light of a fairly unique financial situation) and because the 14 day mark is three days before my reinstatement offer end date. The CW rep assured me the house would not go into foreclosure if negotiations were not complete by the 15th but I would just have a new reinstatement amount. I seem to recall entries on various consumer sites indicating a different outcome when a reinstatement deadline was missed. I’m not sure if my chances of being approved are high enough to risk it since the CW rep said she could not send me an email or any written verification that the application was in review or other details of our call.

    I didn’t intend to go into this much detail so feel free to move the entry to a different thread if appropriate. My original intent was simply to confirm a valid contact number for the Countrywide Loan Workout Department. Guess I went into the long story since I am concerned about the outcome.

    Moe, during the last month, I remember reading posts where you offered to look through paperwork and give your opinions. I don’t know if your schedule still allows time to review individual loan modification forms. If so, I’d appreciate your advice.

  6. april says:

    It is very likely that you will be charged a small fortune for the “workout” services. Make sure you get a life of loan history so you know what is jammed into your “workout” loan balance.

  7. Moe says:

    The number I have is 888-453-3102

  8. Annette says:

    Thank you I think this is a great thing that you are doing.

  9. Moe says:

    Your most welcome! I appreciate that.

  10. Moe says:

    This is great! Thanks for all the information and the number. I will add it to my list. Who is the Titanium Group? Are they affiliated with the Goldbeck Law Firm?

    Do you want me to take a look at your offer or just what you sent in? I will do whatever I can to help. I am not doing loan modifications but I can assist you and coach you.

    Let me know!

    Thanks – Moe

  11. Moe says:

    Thanks for the tip. I really appreciate that and will add it to my list of tips . Anymore tips and tools?

  12. John in Omaha says:

    Thanks for the information. This is very helpful. I talked to someone at CW and they gave me a fax number to send a hardship letter to. I haven’t heard back from anyone at CW.

  13. Moe says:

    You’re welcome. Glad I could be of service to you. Please let us know what happens. I am especially interested about Countrywide. Thanks!

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  15. Jeanne Michael says:

    Moe, this is a great site and very much needed. YOur list of loss mitigators is as you know lending company names. There are specialists who’s main job is to help people stop losing their homes to foreclosure and who have the expertise and knowledge to work with lenders on the homeowners side.
    As in any industry, there are scoundrels, but, many of us are not. I have personal family experience with the homeowner’s side and do this to truly help make a difference.
    Please tell your readers that often times lenders act on their own behalf and not the best for the horrower.
    Find a loss mitigation expert who offers a refund if the workout is not successful. It takes a lot of time and followup to close a workout or loan modification. And lenders are often not the most agreeable, lender mediators help in this process.
    Sure borrowers can do this themselves, and they can also pull their own teeth, but why? Let experts do the work, they really can help. Google loss mitigation or lender mediator. Ask how long they have been doing this, what states do they work in, what types of workout plans do they use most, is the fee refundable, do they offer a guarantee? Then choose the one you feel confident will do the best job. Also check with the online BBB to ensure they don’t have complaints.

  16. Moe says:

    Thanks! Please tell me more about what you do and how successful you are in doing this. My experience and research shows that lenders are not modifying loans. How long have you been in business? What do you charge?

  17. Anonymous says:

    Household Mortgage -(Is now called HSBC Mortgage Services) (800) 365-6730

    HSBC Mortgage Corp.(there is a difference between Mortgage Services and Corp. placed new number) (800) 338-6441
    Default Resolution Team (if long term problem)
    2929 Walden Avenue
    Depew, NY 14043
    (888) 648-3124 Loss Mit
    (732) 352-7519 Fax

  18. Moe says:

    Thanks for the contribution.

  19. JoDee says:

    Hey Moe – I just stumbled across this blog. It is awesome! I was in subprime lending for over 8 years and recently tried to step out because of the fact of not being able to help anyone- I was tired of the negativity. I recently through the loss mitigator “hat” into the ring, and am really looking forward to being able save these drowning people. I am glad I came across this page – it is very informative. Have you received a reply yet as to how much this guy is charging and any other information? I want to be as fair as possible in what I have to offer, from what I am told it is equivelent to a house payment as to what you make on a case… ? I am going to make this my new home page! Keep up the great work – very informative

  20. Moe says:


    The word on the street is that for-profits charge anywhere from $1500 or your mortgage payment what ever is greater. I would look up the foreclosure consultant act in your state and make sure you comply with all laws in regards to this. Just be careful and take care of people. You also should have some kind of refund policy.

    Good luck!

  21. JoDee says:

    I’m going to do my best to make this a win win. I want to “feel” good doing this – knowing that I am helping others and helping to make a quality of life for them. Of course- I do want to make money as well, but it sure would be a change to have it be a positive experience… I am going to look into the foreclosure consultant act, and think that I am going to do something similar to the money back guarantee, if not maybe them paying till it is resolved – I am still fishing that one out…Thanks for the great info – love this site!

  22. Moe says:

    Cool. You may also look into starting a non-profit. There is a huge need for them right now. Network locally.

    Best of luck and stay positive!

  23. Jeanne Michael says:

    The comment about the cost of loss mit being a house payment is old school, although in some areas, that may be the case. Charges for loss mitigation can be from $795 to $1500 with an average of $1200. We charge $500 up front which is guaranteed to provide a workable solution or money back, then when we are successful with the solution (95% of the time), we backend charge $800 for a total of $1300. I am with a company that has been in business for over 8 years. Our success rate is 95%. More loan modifications are beginning to be completed especially since lenders don’t want the house, they want the interest on the loan as their main revenue source.

  24. april says:

    Please don’t turn this blog into a place where bottom feeders engage in price fixing for illegal debt relief/reorganization services.

  25. Moe says:


  26. Moe says:

    I am no expert on for profit loss mitigation. I just was answering a question from a nice guy who is trying to get in the business. I don’t condone for profit nor am I against it 100%. I just have yet to run across and legit for profits.

    So, old school or new school, I don’t care. It’s all relative. So you charge $500 up front? What state are you in and what states do you charge this up front fee in?

    You are successful 95% of the time. WOW, that is unbelieveable, literally. Especially when only 1% of loans are being modified.

    Lenders do not want the house? OK, what do servicers want since on 75% of the loans made are being services by someone other than the lender? They want to just roll over and make loan modifications? I beg to differ on that.

  27. JoDee says:

    I am looking for help in organizing a great organization. certainly not a bottom feeder, and hope you didn’t imply that- there are actually good people out there without thinking negatively

  28. JoDee says:

    I think in “response” to your question to the other person stating that the lenders want to restructure rather than get the house – it is because they can’t have too many bad loans on their records, otherwise that lessens the amount they can borrow from the fed – if they have all these loans gone bad – it says they have practiced in the wrong, and why would the fed endorse that?

  29. JoDee says:

    Jeanne – do you mind me asking which company you are with?

  30. Kevin says:

    Chase Home Financial Loss Mitigation (if call
    Main switchboard: 800-548-7912.
    Loss Mitigation: 877-838-1882 ext 52195.
    Number they gave me after taking my loan number: 866-665-7629 Business hours M-TH 11AM-8PM, F 8AM-12PM.

  31. JoDee says:

    Once you are going through the loss mitigation process – is there a software that you would use, or certain docs we would need to have access to to complete the loss mitigation process? for instance disclosures or compliance docs? I mean I have Calyx Point – but am wondering if this would be like structuring a whole new loan – which I am assuming if we are modifying the loan – but I am wondering where / who the docs come from- the lender / counselor? weird question?

  32. april says:

    I am a legal aid lawyer defending foreclosures in Jax. This loan restructuring is still a total state of confusion and it takes all the energy and effort of my office to cut to the quick and get these loans worked out. However you have to have a lawyer to determine legal vs. bogus debt and to make sure that rescission and other borrower rights are not glossed over or missed. The not for profit profile is the way to go. There are many organizations out there in every community that could access funding and hire a staff attorney and homeownership preservation/foreclosure prevention case managers. Don’t call them counselors. Leave the legal advice and counseling to lawyers. Staff attorneys are not expensive. It is shameful that the housing counseling industry is so polluted. We need to set nationwide industry standards that includes the lawyer layer.

  33. JoDee says:

    Hi April – question – what are your thoughts then on the fact that i am a paralegal, that has been in mortgages for 8+ years? do you think that is enough? or still the way to go would be to hire an attorney?

  34. Moe says:

    Organize a non-profit like April mentioned. Many people need serious legal advice and that is what the non-profit housing industry is seriously lacking. I realized that a long time ago. But I am not in charge and it seems like many non-profits are not united.

    Do not do this for profit.

  35. Moe says:

    They don’t borrow money from the Fed. It is packaged and sold in the form of mortgage bonds and then sold in pools to investors (unless. If they have to many loan modifications and short sales then they will have to report this to investors as losses. If they foreclose, they do not have to show a loss till that property is sold and off the books. So it seems many lenders are foreclosing to appease investors and not cause a panic on Wall Street.

  36. Moe says:

    Not a weird question. There needs to be one but there is not. Restructuring a loan is done by them. You can input figures in Point by changing the rate, term etc and see where the homeowner needs to be for the loan to be affordable.

  37. Moe says:

    I 110% wholeheartedly agree with you on this April. I would love to speak with you about this and can use your guidance. I have tried calling you a few times but it’s pretty tough to get through. lol

    I work with attorneys as an IC/Mortgage Expert because as you know, many attorneys do not understand the mortgage aspects of the business. There is a huge need just to service the victims of predatory lending. But all focus is being placed on just funding for HUD counselors (which I feel is needed) when there should be large funding support for a firm such as yours and there needs to be one on every major county in America.

    Is your firm doing anything on this front or is this your views and a cause your are looking to pursue individually?

  38. JoDee says:

    I can tell that it has totally exhausted you.. I think I am going to look into it in my community as I know there are so many in need – almost every corner it seems. thanks for your advice

  39. Jeanne says:

    Gee, thanks for the big slam on my profession. I thought this would be a good informative site, but, I see you are just biased as to your single purpose (whatever that is) and others are snot. I work very hard for my clients and make an honest living so you are off my list of resources. Glad it was an early lesson and I didn’t absorb too much negative energy from this site. Bye

  40. JoDee says:

    Jeanne – I don’t think I slammed you did I? I am actually probably in the same boat as you.. I am trying to practice loss mitigation and am trying to find as honest of help as I can… the better informed we are – the less damage is done for everyone. I kind of felt slammed as well. referred to as a bottom feeder didn’t feel real good – as I am just wanting to know what the honest way to help these people – I do appreciate your advice earlier – thanks. there is another site that I have been getting a lot of real helpful resources and pointers from if you’d like. thanks again for sharing – I had thought this was a good stop for me too- but may not be what it was intended for me.

  41. Clyde says:


    I worked for New Century as a review appraiser, and I have been looking into Loss Mitigation as a business for the last 2 months. Obtaining loss mitigation training from Fannie Mae, Freddie Mac, or HUD is limited to employees of lenders, servicers, and non profits. Forming a non profit appears to be the way to go. The lenders pay for the workouts, and you also qualify for grants to cover operational expenses. Most of the lenders want to go from stated to full doc. Check out the California Dept of Corporations – Financial Services (licenses all lenders and servicers) Release No. 61-FS, dated September 5, 2007.

  42. W C Prouty says:

    I agree with you almost 100%. Loss Mitigation literature makes reference to non profit “housing counselors”, but the potential client must be informed upon the initial contact that the “counselor’s” advice does not constitute and is not a substitute for legal advice.

  43. JoDee says:

    thanks a ton Clyde. There are a few firms I have researched that seem to be pretty legit and honest but I understand you totally about the fact that you have done some pretty big research – as have I. I never really considered it until I had an attorney that knew of my legal schooling combined with my mortgage experience say to me this past august that it would be a great opportunity. I was scratching my head till then…

  44. Moe says:

    This wasn’t a big slam on for profits. There are some good ones but a majority are crap. Plain and simple. If your firm is great then tell me why please.

    My single purpose is to help homeowners by giving them free information and the tools to do it themselves or to get educated on how it all works. There was a need BIG TIME on the internet for this, so I filled it.

    I work with lawyers and we do predatory lending cases. We network with for profits and non profits and help people save their home using federal laws such as the Truth in Lending Act (TILA). Many for profits and non profits are not properly serving some of these homeowners and actually doing them a disservice by not being properly educated on predatory lending laws.

    My thoughts are that anyone who is doing this and does not have legal counsel on board is doing this business a disservice. Too many people are losing their homes when they could have been saved by and experienced mortgage law attorney.

  45. Moe says:

    Yes and any non profit should have like April says, legal counsel on board to handle many of these cases.

  46. JoDee says:

    any ideas on how to begin to open up a non profit loss mitigation business?

  47. Moe says:

    Stay tuned.

  48. april says:

    Most legal aid/service providers should be able to assist you with this process and/or should be able to refer you to a private attorney who can assist you pro bono with this effort.

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  53. KAREN says:

    All insight on this is helpful. Particularly the phone #s and contact help. It is hard enuff to get thru this without having a foreclosure via snail mail. This country is falling apart quickly. Which candidates will really help us and not be all BS???!!!

    I am close to foreclosure and cant get a human being to talk to me thru WAMU. If anyone has insight re WAMU, pleae share. Thanks for all the help on this site.

  54. RMadri says:


    WAMU has a loss mitigation department. When you call, you should ask for WAMU workout package sent to you. It would take 5 to 7 days when your workout package is received and a mitigation specialist will be assigned to you.

    When you said you are close to foreclosure, does it mean that you have received a Trustee Sale Date?

  55. Moe says:

    Thanks everyone!

  56. Michelle says:

    I am looking for phone numbers for Litton Loan Servicing other than the ones listed on this site. When my husband tried to speak with someone from the Loss Mitigation Department, he was told that there are no incoming phone lines to that department. He asked that they call him then, but was told that they would only communicate with him through the mail. We tried every number we could find and were always told the same thing. Shortly after our repeated phone calls, a man was in front of our home taking pictures. My husband called out to him to ask what he was doing. He handed my husband a real estate agent’s card and told him to call the number and the agent could help us out. My husband called the number and the agent said he was a representative from Titanium Solutions, who Litton uses to help process loan modifications. We were optimistic that our impending foreclosure could be prevented and scheduled a time to speak with the agent, who told us that he would contact Litton’s Loss Mitigation Department and we could have a three-way call to discuss our options. We immediately knew for sure that something was up, and it was not just our imagination, since this real estate agent obviously had a number for loss mitigation when were told more than once that there was none. We had the three-way phone call as scheduled and their loan modification “offer” was really no offer at all. We asked if we could please try and discuss some of the terms of the offer and we got a rude “no, this is what you get – take it or leave it” attitude. My husband asked to speak with someone who has the authority to negotiate the offer and was told there was no one else, and again to take the “offer” or not. Litton hung up and my husband questioned the real estate agent about what had just taken place, and he said he didn’t know what was going on since Litton had negotiated terms with others in the past through him. He told us there was nothing else he could do to help us unless we wanted to sell our home, and we hung up. We have explained to Litton that this is our home and we want to do everything possible to try and stay here. However, they seem to just want us to walk away and let them have it back. They even offered, in a note through the mail, to give us money if we would agree to move out. We are parents with six children (and their pets) and finding a place to move to is no easy task, even if we wanted to move. We have told Litton that we fell behind due to my oldest daughter’s sudden medical condition, which has resulted in her being hospitalized (once in pediatric ICU) five separate times. We tried to keep up with the mortgage payments, but the costs of doctor visits, medication, and hospitalization have put us behind. Thankfully she is now doing much better, and we have let Litton know that we would like to bring our account current, but we need their help. If anyone has a way to reach someone at Litton Loss Mitigation directly who actually has the authority to discuss working something out with us, please let me know. Thank you for your time.

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  60. fewchaboy says:

    The Loss Mitigation Department for Homecomings Financial is (800)850-4622 option 5 extension 2365442

  61. Rosa says:

    Hi Moe love your site! I am a realtor in Illinois and am really busy running shortsales and helping some of my clients with Mods. For those who want to charge distressed homeowners for these services in Illinois, its illegal, Check Lisa Madigans law efective January 2007-Mortgage Fraud Act. I get paid for running shortsales by the lenders if I can take them to closing. My modification cases are a labor of love–no pay–outside of knowing I helped a family. Well I should never say I don’t get paid because those families refer me to everyone and their cousin and even in this market I have constant work;)

  62. Jose says:

    Does anyone have a fax number for option one loss mitigation? Please advise.

  63. Moe says:

    Thanks so much Rosa!

  64. Jose says:

    Option One Loss Mitigation Fax


    Make sure you put loan numner on every document you fax.

  65. Suhay says:

    Does any one know the fax number To Washington Mutuals Loss Mitigation.They provided one but but seems not to be a fax number. They gave me 904-886-5529. Thanks

  66. Jose says:


    How do I request a life of the loan from my bank. I believe you mentioned this on your website. I have an option arm, with Homecommings, I applied to modify, the loan, becuase i was four months late, they agreed to modify after I started paying again, they told me to pay my reqular payment for three months. At the end of the three months, they would consider a loan modification. Well now it looks like they sold the loan to Aurora Servicing? What’s up with that, any thoughts? Please help!

  67. John says:

    We’re a loan modification specialist. We have an attorney that handles all the legal intricacies of loan modification and we guarantee our services. The money is held in a trust account until the modification is approved. If we don’t get your lender to offer you a loan modification we’ll refund your money. If there is anything I can help you with please give me a
    call 866-876-1400 ask for Johnny in Loan Modification

  68. [...] program, that you are one of the lucky 5%. Who do you call? My guess would be the lender’s loss mitigation department. And, good luck with that – they’re famously painful to deal with. It’s a messy [...]

  69. Kathleen Mahoney says:

    If you are behind on your mortgage you will be foreclosed on. No one is helping you. Get used to it. Save your money and become a renter. All the stimulus money will line some lobbist and the bankers pockets no one is getting any help. These lenders are retarded and can’t tie their own shoes much less figure out how to re-negotiate a low.

  70. Moe Bedard says:

    Many people can obtain a loan modification and live in their own home for less than rent now. That theory may be true for some, but not all…..

  71. Don’t Forget First Franklin




  72. esther mldvn says:

    CAN YOU GIVE ME THE PHONE NUMBER OR ADDRESS of CEO national city and JP morgan chase and do you know if they can modify home equity lines od credit? Im desperate.Just got a call that they froze my 2nd mortgage(equity) and they want a baloon payment of $200,000,please help

  73. There are those that do all of the analysis that is necessary to complete a loan modification, work out your budget, do a modification proposal(cost, foreclosure analysis (to prove to the lender why its better to the Mod than foreclose) and other necessary documents one of them. And only charge from $500 to $700 flat. It is sort of like doing the Paralegal version of a Will or Divorce. You pay to have your info into a format that the lender will understand and use quickly.

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  75. Elsee says:

    How does one confirm that a loss mitigation firm is not scam but for real?

  76. Jeff says:

    Thanks for the great resource!!!

    I am currently managing a pipeline of about 300 Loans that are facing Foreclosure.

    This is very helpful…I will update if I find any more info.

    FYI – CountryWide has an e-mail Submission for 3rd Party Representatives.


  77. Sean says:

    This is a great site with lots of information, however none of the web links posted on the loss mitigation page lead anyplace?

  78. David says:

    Karen Benton in Loss Mitigation? The phone number for me to call was listed as 1-866-7163-4784.
    If you have seen the movie “My Blue Heaven” with Steve Martin, I simply cannot drop the “1″ to make it correct.

  79. Tammy says:

    Regarding Homecomings Financial/GMAC

    IF you are in bankruptcy AND have submitted the attorney authorization to discuss mitigation, the direct phone number to follow up is 800-482-3530. Have your loan number handy so you can know which person to route to. You will get a message to leave your name, account # and a call back number. Can’t say yet how long the call back takes-I still haven’t gotten the call from them 2 months after my attorney authorization got there.

  80. AK says:

    My payment voucher states Coldwell Banker Mortgage… I’m wondering if they’re just the servicer. Would anyone happen to know the number to loss mitigation for them?


  81. kmosabe1@aol.com says:

    I have a question – I am not in default, (yet)have current 15 year fixed loan with Chase, but layed off in 2007, and have been underemployed, unable to find suitable FT employment, and am currently eating up my savings. Can I get a loan modification to convert to 30 year fixed to offer some relief?

  82. David says:

    HI does any one happen to have a spreadsheet or a list of all the loss mitigation departments phone numbers i just recently started doing loan mods for a company from home and would really appriciate a list of all of t he numbers please let me know if anyone can help me..

    Thank You

  83. Tom says:

    I have been struggling to say the least with Homecomings financial for the past 10+ months and am within 2 short weeks of losing my home. I have placed call after call and have recieved nothing but conflicting information from people within Homecomings with regards to what I am or am not qualified for. I would really like a phone number that would help me get something done with Homcomings! I can not afford a for profit modification company. Any help or advice is greatly appreciated.

    Thank you

  84. Does anyone have a good contact number and fax number for Oxford Managment? Thanks for any help!

  85. jim says:

    homecomings is doing the same to me. is there any way to hold these people accountable? the “obama plan” seems to be all talk but no action. what are they required to do, and who do they report to? i am tired of making call after call and getting no information. they said it would be 10 days after i submitted my worksheet, but after 6 weeks i have no information and i just get rude people telling me to wait by the phone.

  86. Michele says:

    Moe, I can’t thank you enough, this is the first I have hear of all the work you are doing. You are awesome.
    I wanted to make a comment to the last few post, although they were back in May, I am hoping this will help. I gained a lot of experience in foreclosures when I worked for F.D.I.C. as an Asset Manager.
    I have now been working as a Real Estate Sales Person for 15 years specializing in Short Sales and REO, and Pre-Foreclosures. This past year I made it my mission to help people out of their pre-foreclosure situation, free or not. I just couldn’t stand to watch the lenders take advantage of these folks lack of knowledge in this area anymore.
    Here is the deal…..if you are calling the Loss Mitigation Dept, Workout Department or what ever that particular Lender calls it, and you are not getting the response you need…..start crawling up the ladder, ask for their manager, and their manager and so on. Don’t worry about getting the person who is trying to help you in trouble. Even though they have been really nice and tried to help, it’s not their fault more than likely. Either they have to large of a work load or have not been properly trained.
    This is what I do when I am desperately trying to help a client. Go on Dunn and Bradstreet, Nadac, etc. Run a search on the company, get the name of the CEO, CFO, Pres. and every VP you can find and start emailing every one of them and follow up with a phone call, that’s right, call them. You have the 800 number; just ask for him like he or she is your old buddy. You may think this is drastic, but it works and if you are wondering how you get their email, just go to the company website and search for any email of a employee or loan officer and what ever form there email address is in, the CEO, etc., will be in the same format. For example: John.Doe@BankofAmerican.com
    It’ usually that simple.
    P.S. Always save copies of everything you send, make two copies and keep one because you will want to send it again (both fax and mail). Always include your pertinent info on all correspondence such as your Loan number.

  87. Vic says:

    IIs there an established cutoff date for lenders to quit offering loan modifications? I heard it could stop in December 2009. Is this true? Also, has anyone had any loan modification experiences with Aurora Loan Services? We will be dealing with them.

  88. david gonzalez says:

    I would like to chat with you further via email or phone when you have time? We have 5 serious buyers for large pkgs of non perfoming notes and would like to offer you 1% of our takedown fees to procure direct seller sources for large packages of npns. Thanks for offering your free list of loss mitigation contacts. Please call or email when you get time?


    david gonzalez