How to do a Wamu (Washington Mutual) Short Sale
Depending on your situation, selling your home through a Washington Mutual short sale may be the best option. Washington Mutual short sale department may be able to accommodate your Wamu short sale request.
EVEN IF YOU OWE MORE THAN YOUR HOUSE IS CURRENTLY WORTH, A WASHINGTON MUTUAL SHORT SALE SHORT SALE MAY ENABLE YOU TO :
- Control the timing and details of your home sale.
- Control the timing and details of moving from your home.
To find out more about a Washington Mutual short sale, start by completing the Washington Mutual Short Sale Assistance Form. McFarlin & Geurts can assist you in compiling documents and information for such a Washington Mutual short sale submission.
IF YOU WANT TO APPLY FOR A WASHINGTON MUTUAL SHORT SALE, YOU'LL ALSO NEED TO PROVIDE :
- A signed purchase contract between you, as the seller, and your buyer.
- An estimated HUD-1 Settlement Statement.
- Lien release letters for any other mortgages or liens on the property.
- Letter authorizing Wamu to discuss the transaction with McFarlin & Geurts or your other professional representative.
HERE ARE THE WAYS YOU CAN SEND WAMU SHORT SALE OR WASHINGTON MUTUAL SHORT SALE DEPARTMENT THE REQUIRED INFORMATION :
| Fax : | (904) 886-1329 |
| Email : | homeownersassistance@wamu.net |
| Regular mail : | Washington Mutual |
| Home Preservation JAXA2000 | |
| 7255 Baymeadows Way | |
| Jacksonville, FL 32256 |
ADDITIONAL CONTACT INFORMATION:
Washington Mutual (now part of Chase)
(866) 926-8937 or (888) 453-3102 or (800) 478-0036 or (800) 254-3677
Washington Mutual- Loss Mitigation
| Phone: |
(800) 496-9633 |
| Phone: |
(904) 281-3900 Collections Department |
| Phone: |
(866) 356-5789 Foreclosure Department |
| Fax: |
(818) 775-2010 |
WASHINGTON MUTUAL DEED-IN-LIEU OF FORECLOSURE PROGRAMS :
With a "deed-in-lieu of foreclosure", borrowers voluntarily transfer ownership of their house back to Washington Mutual. If you do not have any other loans, liens, or judgments against your house, you may be able to qualify for a deed-in-lieu, but Washington Mutual loss mitigation will consider all other options first.
WITH A WASHINGTON MUTUAL DEED-IN-LIEU OF FORECLOSURE YOU MAY BE ABLE TO :
- Avoid additional foreclosure charges.
- Arrange your move-out date.
Get started by providing your current financial information on the Borrower Assistance Form through McFarlin & Geurts. Once your information is provided, we can submit your proposal for a Washington Mutual short sale or Washington Mutual Deed in Lieu of Foreclosure.
COUNTYWIDE SHORT SALE
INITIATING A SHORT SALE WITH COUNTYWIDE :
For Countrywide short sale customers choosing to represent themselves, without an attorney, the first step would be to call the Workout/HOPE call center at 1.800.669.0102 to discuss Countrywide short sale workout options after becoming delinquent. If other workout options do not apply, then the Countrywide short sale process is discussed. Countrywide can discuss Short Sale transactions with the customers or their attorney. Countrywide's Short Sale team can be reached at 1.866.880.1232. A discussion is held regarding the Short Sale process and the documents that need to be faxed to Countrywide short sales department to begin the process.
PLEASE NOTE: In order to qualify for Countrywide short sales, the borrower must have a current or eminent financial hardship and the loan must be delinquent.
While the discussion and upfront verbal agreement to begin the process are important, the formal process officially starts when the Countrywide short sale department receives the signed purchase contract, listing agreement, copy of MLS history and preliminary HUD 1 statement.
COUNTRYWIDE SHORT SALE PROPERTY APPRAISALS PROCESS
- Within approximately 2 days of receiving the faxed documents, the customer or agent will receive confirmation of the received purchase contract. If the offer is possibly viable, an interior appraisal will be ordered by the Countrywide short sale department.
- Within an additional 3 days a Countrywide short sale appraiser will be assigned, they will contact the customer or their attorney to schedule an appointment to conduct an interior appraisal.
- Approximately 7 to 10 days after the appraisal is ordered, the results of the appraisal will be received by Countrywide short sale. This is absolutely dependent on obtaining access to the property in a timely manner.
- Upon receipt of the appraisal, Countrywide short sale will conduct an analysis to determine if the Short Sale offer is aligned with the fair market value.
ADDITIONAL NEGOTIATIONS OR INFORMATION MAY BE REQUESTED BY COUNTRYWIDE SHORT SALES DEPARTMENT, (EXAMPLES OF BUT NOT LIMITED TO):
- Purchase price.
- Changes to the HUD 1 statement.
- Funds and/or a promissory note from the borrower.
- Information about the buyer.
- A deficiency letter signed by the borrower.
- Explanation of the hardship.
- Most recent month's income verification or if self employed, last 3 months P&L.
- Most recent year's tax return.
FINALIZING THE REQUEST :
Once all parties, including additional lien holders, have agreed to the negotiations, Countrywide short sale and/or its investors/insurers will render a decision within approximately business 5 days. The decision to accept or decline the short sale will be communicated to the customer and/or their attorney within approximately 48 hours of the decision.
| Countrywide Short Sale Customer Service : | 1.866.880.1232 |
| Countrywide Short Sale Fax : | 1.888.491.4947 |
ASC SHORT SALE (WELLS FARGO SHORT SALE)
Depending on your individual circumstances, ASC loss mitigation may be able to work out an alternative repayment option that can help you get out of default and back on the path toward home-centered financial security. ASC or Wells Fargo will help you to assess your financial situation to determine which option is right for you, because a homeownership plan based on where you are right now gives you an opportunity to get to where you want to be.
BEFORE YOU CONTACT ASC SHORT SALE OR ASC LOSS MITIGATION TO DISCUSS YOUR OPTIONS, PLEASE PREPARE THE FOLLOWING INFORMATION (MCFARLIN & GEURTS CAN ASSIST WITH THIS PROCESS) :
- A brief explanation of your hardship (Later in the process, ASC short sale ask you to put your explanation into a short letter).
- A detailed list of all your expenses, loans, and bills.
- Proof of all household income (including your most recent pay stub, tax return or profit and loss statement).
Below are some of the repayment solutions ASC provides. McFarlin & Geurts can explain how they fit with your situation or request payment help right now on your behalf.
An ASC short sale allows you to sell your home and use the proceeds to pay off the mortgage if you are unable to maintain payments, even if the home's market value is less than the total amount owed.
For Assistance with an ASC short sale, please call McFarlin & Geurts for a free consultation. If you are seeking to contact ASC short sale department directly, we can provide the following information from the ASC short sale website to assist you :
| ASC short sale Customer Service: | 800-678-7986 |
| ASC short sale Hours of Operation: | Monday - Friday |
| 8:00 a.m. - 9:00 p.m., CT | |
| Saturday | |
| 9:00 a.m. - 2:00 p.m., CT |
An ASC short sale negotiated through McFarlin & Geurts may benefit you for the following reasons:
- Avoids the lengthy legal process involved in foreclosure.
- Generally less damaging to your credit rating than foreclosure.
1.GMAC SHORT SALE (HOMECOMINGS SHORT SALE)
GMAC short Sale has not (that we are aware of) published official GMAC short sale directives, but has released the following statement regarding GMAC loss mitigation and GMAC short sale. For real assistance and legal representation on a GMAC short sale or GMAC loss mitigation solution (instead of a politically correct proclamation from GMAC) contact McFarlin & Geurts.
The Importance of Loss Mitigation in Subprime Loan Servicing:
- From Servicing Management.
- By Mitchell Oringer.
- Vice President Default Administration.
- GMAC Mortgage.
As they become more flexible with product offerings and asset grades in order to generate business, today's mortgage lenders are originating subprime loans on an increasingly frequent basis. Along with the inherent financial opportunity these loans represent to lenders, they also pose numerous risks -- most significantly, a higher likelihood for default. According to industry statistics, subprime lenders currently generate about one in five residential mortgage loans, yet foreclosure rates on subprime loans are ten times the average for all others. As a result, investors, regulatory agencies and GSEs (government-sponsored enterprises) have stepped in, mandating that mortgage servicers offer loss mitigation programs to help borrowers avoid foreclosure.
The U.S. Department of Housing and Urban Development (HUD), for one, is imposing greater penalties on residential mortgage servicers that fail to offer loss mitigation options for federally insured mortgages-sometimes up to three times the claim amount of the mortgage. The U.S. Department of Veterans Affairs (VA) is also proposing to re-vamp its servicing requirements, delegating more responsibilities for loss mitigation to private servicers.
Servicers can choose to offer loss mitigation for the sake of compliance, or can redefine their loss mitigation programs to create a win-win situation for borrowers, investors and themselves, while simultaneously complying with all regulatory directives.
2. BUILDING A SUCCESSFUL LOSS MITIGATION PROGRAM :
The ultimate goal for any loss mitigation department is to mitigate, or minimize, the losses incurred to the borrower, investor and servicer when a borrower is no longer willing or able to maintain their mortgage payments. Losses are almost always avoided or mitigated when a loan goes from non-paying to cash flowing. Loss mitigation options are needed for the entire spectrum of asset grades -- from A, to Alt-A and subprime loans; however, as stated above, the need for loss mitigation, as well as its challenges, are greater for subprime loans.
COMMUNICATION IS KEY
In the beginning of the delinquency process, the most fundamental aspect for subprime borrowers is closely-monitored communication. Since subprime borrowers can be hard to contact, servicers must make more frequent telephone calls -- day and night, at home, to work or even via mobile phone -- often employing skip tracing to obtain borrower phone numbers. As a reminder to continue making regular payments, servicers should begin calling subprime borrowers early in the payment cycle. The results of these calls will vary, but the key is to stay in touch with the borrower. Once a loan reaches the loss mitigation stage, if the borrower expresses an interest in keeping their property and an ability to make payments, there are increased chances that the loss mitigation path will be successful.
When a borrower does agree to a loss mitigation plan, servicers should place a renewed emphasis on re-performance, or tracking the performance of a given loss mitigation solution over time. By following up with subprime borrowers, a servicer can learn what does or does not work in the current economic environment, and strive to do better at matching borrowers with the loss mitigation option offering them the best chance for success. Frequent reminder calls ensure that borrowers adhere to their given payment arrangements.
3. WORKING WITH SUBPRIME BORROWERS: LOSS MITIGATION OPTIONS
The keys to a subprime borrower succeeding on a loss mitigation plan are analyzing the financials appropriately, establishing an arrangement that will create cash flow, creating a pattern of acceptable payment habits and resolving the underlying problem without repeated defaults. Servicers must resist the urge to try and collect all delinquent payments up front, or leave the borrower with too little cushion for living expenses; this will ultimately stretch the borrower too thin and lead to problems.
There are a number of loss mitigation options available to help keep subprime borrowers in their homes, generate cash flow and eventually bring their loans current. These include modifications, repayment plans, repayment plans that convert to modifications and special forbearance plans.
A loan modification is considered when a borrower experienced a hardship which is now over, and he or she has the ability to pay a monthly mortgage payment, but not the delinquency. Although many modification variations are available, there are four common ways mortgage terms are changed:
- Monthly Mortgage Payment Increase: Delinquent interest, escrow and/or outstanding foreclosure fees and costs are added into the unpaid principal balance (UPB), resulting in a higher unpaid principal balance. The new unpaid principal balance is paid back over the remaining term of the loan. This will lead to an increase in monthly mortgage payment amounts.
- Maturity Date Extension: Maturity date is extended to a later date. This most likely will not increase the monthly mortgage payment and may result in a balloon payment due.
- Change in Product Type: Examples include an ARM to a fixed rate mortgage. The monthly payment amount will always remain the same, instead of fluctuating per the changing interest rate.
- Interest Rate Reduction: Often used as a last resort, this most likely will not increase the monthly mortgage payment.
Another effective subprime loss mitigation option is a repayment plan. This is the same type of repayment plan used by servicers' collection departments in their attempts to bring loans current. Used when a borrower can send multiple increased payment installments to bring his or her loan current, the repayment option only works if the borrower is able to make monthly payments in excess of their regular monthly payments. A repay can be done in loss mitigation only if one was not previously attempted by the collection department and the investor does not allow a loan modification.
A third subprime loss mitigation option is a combination modification-repayment. With modification-repayment, a loan modification is combined with a repayment plan. This plan reduces the monthly payment for four to six months to gauge the borrower's ability to make the required payments. Once borrowers have demonstrated their ability to pay during this timeframe, the loan is modified to reflect the new payment amount as the scheduled payment amount. The end result is a more timely and efficient resolution of the subprime borrower's delinquency.
A final loss mitigation option for subprime borrowers is a special forbearance. A special forbearance plan allows a borrower to suspend mortgage payments or pay a reduced or negotiated payment for a specified amount of time. Servicers typically recommend this type of loss mitigation solution when borrowers are experiencing a temporary hardship, thus allowing them time to get back on their feet, or sell their property. At the conclusion of the forbearance, another loss mitigation option is completed to resolve or dispose of the delinquency. It's important to note that forbearance can be used in conjunction with a loan modification to illustrate a borrower's ability to afford modified payments.
If none of the four loss mitigation options is successful, servicers typically counsel subprime borrowers to sell their home at fair market value as determined by a realtor. If a subprime borrower cannot obtain fair market value for their home, servicers may advise them to obtain a short sale. Short sales occur when borrowers cannot afford their property, have it listed for sale and have received an offer to purchase their house for less than the principal balance.
4. CREATIVE SOLUTIONS: RE-DEFINING LOSS MITIGATION PROGRAMS
A recent panel discussion at the MBA National Mortgage Servicing Conference focused on how the servicing of subprime loans has become increasingly customer-centric. Panel discussions stressed the importance of servicing associates having the training, tools and technologies to ensure a "high-touch, high-contact" business, including 24/7 customer service websites and extended calling hours.
Another customer-centric offering for subprime borrowers is credit counseling. According to the MBA panel discussion, credit counseling can provide servicing firms with an updated, more complete borrower profile. This, in turn, can be applied toward achieving a mutually acceptable delinquency resolution. GMAC Mortgage, for example, has worked with a number of credit counseling agencies on behalf of investors to provide their subprime borrowers counseling services. GMAC Mortgage has piloted one of these unique programs for the past six months; it mandates that borrowers cannot get a loan modification unless they participate in credit counseling. Upon completion of credit counseling, the counseling agency notifies GMAC Mortgage that the borrowers have met this requirement, and servicers can then pursue a loan modification. Over the last twelve months, GMACM has successfully worked with over 6,000 borrowers to keep them in their homes.
5. CONCLUSION :
From protecting subprime borrowers, to ensuring investor interests are upheld, loss mitigation programs work to find amenable solutions for everyone. They help subprime borrowers potentially reinstate their delinquency and remain in their home; avoid complicated foreclosures which could result in tax implications or possible legal action; avoid filing for bankruptcy; and maintain their credit rating. On the opposite end of the spectrum, an investor is able to reduce or eliminate marketing time and costs, reduce foreclose fees and possibly obtain a performing loan. As most servicers know, a satisfied borrower is a loyal borrower. By becoming more communicative and flexible in their approach to loss mitigation programs, servicers are doing themselves and their borrowers a great service: preventing complicated property foreclosures, while at the same time, helping subprime borrowers achieve what is quite possibly their first experience of financial success.
6. CHASE SHORT SALE :
CHASE SHORT SALES - WHAT YOU NEED TO KNOW
Short selling is often the last resort for many homeowners. Rising home mortgage rates are increasingly making affordability difficult. Hence a Chase short sale is an option many people turn to. However, there are some things to know if you are contemplating a Chase short sale. Of course, McFarlin & Geurts would be happy to discuss all your Chase short sale and Chase loss mitigation options with you.
YOU MAY BE TURNED DOWN
There is no guarantee that your Chase short sale proposal will be accepted. Since a Chase short sale generally entails a loss for the mortgage company Chase short sale typically has the upper hand, especially when you are not represented by an attorney. Many homeowners who have gone through Chase short sale have been turned down, for no good reason at all. Instead Chase chose to proceed with foreclosure instead. Working with a qualified and experienced real estate and short sale attorney like McFarlin & Geurts can certainly increase your chances of success.
LONG CHASE SHORT SALE WAITING PERIODS
Another issue facing Chase short sale borrowers, is that you will typically need to wait a number of weeks before you know if the offer has been declined or accepted. This process is essentially open-ended and it is impossible to predict how long it will take.
INTERIOR BROKER PRICE OPINION
Typically, a Chase short sale requires a broker price opinion (BPO) to conducted of both the exterior of the house as well as the interior. Chase short sale wants to verify the condition of the house before assigning a value. The more cooperative the borrower is with Chase short sale, the faster this part of the process can be completed. It is a good idea to be present with the BPO representative and point out any details (good or bad) that they may have overlooked (mold, concrete cracks, roof damage, etc.).
Chase Short Sale can be rude but most representatives are pleasant to work with..
Many homeowners have had really bad experiences with Chase short sale. You must be persistent though and understand they speak with highly agitated, anxious, and panicked homeowners all day. They probably do not intend to be rude, they are just very busy.
SEND CHASE SHORT SALE YOUR PICTURES
You can improve your chases for a Chase short sale by submitting some pictures of the house condition (inside and out) showing all the repair work that needs to be done (new windows, roof, paint, mold, cracks, termites, etc.). These photos will justify to Chase short sale why you require a short sale and are unable to maintain the property.
In order to assist you in the Chase short sale process, if you choose to represent yourself without an attorney, we have compiled the following Chase short sale information to support you:
| Chase Customer Service: | (800) 548-7912 |
| Chase Loss Mitigation: | (877) 838-1882 ext 52195; or |
| (866) 665-7629; or | |
| (510)652-0401 | |
| Chase Home Finance: | (800) 848-9136 |
| Delinquency Customer Service: | (858) 605-2181 |
| Chase Home Finance Eastern: | (800) 446-8939 |
Chase Short Sale Internet Resources:
https://chaseonline.chase.com/chaseonline/logon/sso_logon.jsp?fromLoc=ALL&LOB=COLLogon
BANK OF AMERICA SHORT SALE
Bank of America short sale is notoriously difficult to deal with. Bank of America short sale can be reached at 716-635-2982 (yes, that's how bad they are, their main contact number isn't even a toll-free number).
ADDITIONAL BANK OF AMERICA SHORT SALE CONTACT INFORMATION :
| Loss Mitigation: | 1-800-846-2222 or 716-635-2000 or 800-846-2222 |
| Authorization Fax: | 716-635-7265 |
| Short Sale Package Fax: | 716-635-7255 |
McFarlin & Geurts has had a good success rate with them however, probably because we've sued them and their affiliated institutions so many times.
Bank of America will maintain a moratorium on foreclosure sales at least through March 13, 2009. The moratorium is for all first lien owner-occupied mortgages held and serviced by Bank of America unless prohibited by servicer contracts with investors.
To see if you're eligible, please use the self-assessment tools provided on FinancialStability.gov
You can access this tool at http://www.financialstability.gov/makinghomeaffordable. Please note that this is not a Bank of America Web site.
OTHER LENDER SHORT SALE AND LOSS MITIGATION PHONE AND CONTACT INFORMATION:
ABM AMRO Mortgage
(800) 783-8900
www.mortgage.com/C3/application.bus
Accredited Home Lenders
(877) 683-4466
Acqura Loan Services
866-660-5804
www.acqura.net
AMC Mortgage Services (Also handles loans originated by Ameriquest and Argent)
(800) 211-6926
1600 McConnor Parkway
Schaumburg, IL 60173
www.myamcloan.com/malwebapp/begin.do
American General
Loss Mitigation: 770 614 6005
American Home Mortgage Corp.
(877) 304-3100
American Home Mortgage Servicing, Inc.
877-374-3100
www.optiononeonline.com
Ameriquest Mortgage (Debt collection - see AMC Mortgage Services)
(800) 211-6926
AmTrust Bank (aka Ohio Savings Bank)
(888) 696-4444
Aurora Loan Services (Debt collection): (800) 550-0508 or 800-550-0509
601 5th Avenue
Scottsbluff, NE 69361
Attn: Customer Service
or
P.O. Box 1706
Scottsbluff, NE 69363
E-mail: ccnmail@alservices.com
www.myauroraloan.com
Avelo Mortgage LLC
(866) 992-8356
Bank of New York- Loss Mitigation
Phone: 212-495-1784
Fax: 212-415-2035
BB&T Mortgage
(800) 827-3722
Beneficial
(800) 333-5848
Carrington Mortgage Services
800-790-9502
www.myloan.carringtonms.com
Cendant Loss Mitigation
Phone: 800-750-2518.
Fax: 856-917-8334
Central Pacific Bank
(800) 342-8422
Charter One
(800) 234-6002
Chase Manhattan Mortgage
(800) 446-8939 (Ohio Servicing Center)
(800) 526-0072 (Florida Servicing Center)
(800) 527-3040 x533 (Florida Servicing Center)
Chase Homeowners Assistance Department (foreclosure)
Phone: (800) 446-8939
Fax: (614) 422-7259
Additional Numbers
Phone: (800) 981-3792
Fax: (858) 605-3006
Chevy Chase Bank
(800) 933-9100
www.chevychasebank.com/htm/payment.html
Citi Financial Mortgage
(800) 753-3673
Citi Financial Loss Mitigation and Short Sale
Foreclosure Department
800.424.3562
800.423.8158
800.848.7491
Dial by Extension 800.888.6001
| Citi Mortgage Contact Numbers | |
| Loss Mitigation : | 800.682.2286 |
| Foreclosure : | 877.202.3846 |
| Loss Mitigation : | 866.357.6015 |
| Loss Mitigation Fax : | 248.488.7727 |
| Workout Fax : | 248.488.8357 |
| Loss Mitigation : | 866.357.0614 |
| First American | |
| Phone: | 800.511.1278 |
| Fax: | 636.256.2884 |
Ditech
(800) 852-0656
(800) 449-8582
Downey Financial Corp.
(800) 824-6902, ext. 6696
EMC
(800) 723-3004
P.O. Box 141358
Irving, TX 75014-1358
www.emcmortgageservicing.com/ccn/ccnsecurity.asp
EverBank
(800) 669-7724 ext. 4730
Equity One
(866) 361-3460
| Fairbanks Loss Mitigation | |
| Phone: | (888) 818 6032 |
| Fax: | (904) 232 4607 |
First Horizon Home Loans
(800) 489-2966 or 800-364-7662
Fifth Third Bank
(800) 375-1745 Option 3
First Horizon Home Loans
Phone: 800 707-0139, ext: 17305
First Merit Bank
(888) 728-9931
Flagstar Bank
(800) 968-7700, ext: 9780
Fremont Investment & Loan
((866) 484-0291
GMAC Mortgage
(800) 850-4622 or 800-799-9250
GreenPoint Mortgage Funding
(800) 784-5566, ext: 5383
Green Tree
(877) 816-9125
Home Loan Services, Inc. (d/b/a First Franklin Loan Services and NationPoint Loan Services)
800-500-5022
Homecomings Financial
(800) 850-4622
Loss Mitigation
(800) 206-2901
(858) 874-7417
HomeEq Mortgage Servicing
(866) 822-1471 or 800-867-7378
Household Finance (An HSBC Company)
(800) 333-5848
Household Mortgage
(800) 333-4489
| HSBC Consumer Lending | |
| (800) 333-5848 | |
| HSBC Mortgage Services: | (800) 365-6730 |
| HSBC Mortgage: | (800) 338-6441 |
| Default Resolution Team | |
| 2929 Walden Avenue | |
| Depew, NY 14043 | |
| (888) 648-3124 Loss Mitigation | |
| (732) 352-7519 Fax | |
| www.us.hsbc.com/personal/mortgage/existing/difficulties.asp | |
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)
www.indymacbank.com/contactus/loanResolution.asp
Irwin Mortgage
(888) 218-1988
P.O Box 7014
Pasadena, CA 91107
www.irwinmortgage.com/wps/portal/!ut/p/cxml/04_Sj9SPykssy0xPLMnMz0vM0Y_QjzKLN4g3sdAvyHZUBAAqwx 9c
E-mail: deliquency.prevention@irwinmortgage.com
James B. Nutter & Company
(800) 315-7334
| JPMorgan Chase Prime Loans: | (800) 446-8939 |
| JPMorgan Chase Non-Prime: | (877) 838-1882 |
| JPMorgan Chase Home Equity: | (866) 582-5208 |
Key Bank
(800) 422-2442
LaSalle National Bank
(800) 783-8900
| Litton Loan Servicing | |
| Phone: | (800) 999-8501 or (800) 548-8665 |
| Fax: | (713) 966-8820 |
| 4828 Loop Central Drive | |
| Houston, Texas 77081-2226 | |
| www.littonloan.com/index.asp | |
| Litton Loss Mitigation: | |
| Phone: | (713) 966-8803 |
| Loss Mitigation Department Hours: | |
Midland Mortgage
(800) 552-3000 or (800) 654-4566
www.mymidlandmortgage.com/MyMortgage/Login/Login.asp
Mortgage Lenders Network
(800) 691-0129
E-mail: customerservice@mlnusa.com
www.mlnusa.com/customers/info_credithelp.asp
Mortgage Electronic Registration Systems (MERS)
(888) 679-6377
National City
(800) 367-9305, ext: 53221 or (800) 523-8654
Attention: Homeowner's Assistance
3232 Newmark Dr.
Miamisburg, Ohio 45342
(8AM-10:30PM ET, Monday - Thursday)
(8AM-5PM ET, Friday)
(8AM-Noon, Saturday)
www.nationalcitymortgage.com/service_assistance.asp
National City Mortgage - Loss Mitigation
Phone: (937) 910-3563
Nationwide Advantage Mortgage Company
(800) 356-3442, ext: 6002
NationStar Mortgage
(888) 850-9398 (Press 0 for operator) or 888-480-2432
New Century Financial Now Carrington Mortgage Services
(800) 790-9502 or (877) 206-9904
www.myloan.newcentury.com/webapps/servicing/myloans/index.do
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 or 877-596-8580
Web: http://www.ocwencustomers.com/csc_fa.cfm
Attention: Financial Information
12650 Ingenuity Drive
Orlando, Florida 32826
or
Ocwen Financial Corporation
1661 Worthington Rd., Suite 100
West Palm Beach, Florida 33409
Phone: 877-226-2936
Option One
(866) 711-1962 or (888) 275-2648
www.oomc.com/servicing/servicing_baifaqs.asp
PHH Mortgage (Formerly Cendant)
(800) 257-0460
(800) 330-0423
(800) 750-2518
ResMae Mortgage Corp.
(877) 473-7623, ext. 5944
Saxon
(800) 665-7367 or 888-325-3502
Saxon Loss Mitigation:
Phone1: (262) 502-6724
Phone2: (817) 665-6537
Phone3: (414) 278-8068
| Select Portfolio Servicing | |
| Phone: | (888) 818-6032 |
| Fax: | (801) 293-3936 |
| Loan Resolution Department | |
| P.O. Box 65250 | |
| Salt Lake City, UT 84165-0250 | |
| www.spservicing.com/services/customer/loanresolution.htm | |
SkyBank
(800) 290-3359
Sun Trust Mortgage
(800) 634-7928 or (800) 443-1032
PO Box 26149
Richmond, VA 23260-6149
Mail Code RVW 3003
www.suntrustmortgage.com/generalquestions.asp #
Third Federal Savings
(888) 844-7333
US Bank
(800) 365-7900
Wachovia Bank of Delaware
(866) 642-8608
Waterfield Mortgage
(800) 957-7245
Fax: (260) 459-5390
c/o Loss Mitigation Dept.
7500 W. Jefferson Blvd.
Fort Wayne, IN 46804
Wells Fargo
(877) 216-8448 or
(866) 261-5642 or
(800)766-0987 or
(800) 678-7986 for payment assistance
www.wellsfargo.com/mortgage/account/
Wells Fargo Loss Mitigation
Phone: (888 231.0757
(877) 216-8448 Loss Mitigation
(800) 551-9808 Borrower Assistance
(800) 868-0043 Home Owners in Foreclosure
(800) 352-7654
Wendover Financial Services Corporation
(800) 934-1081 or (800) 436-1022
Whitney National Bank Loss Mitigation
Phone: (800) 347-7272
Wilshire Credit Corporation
(888) 502-0100 or
(888) 917-1050
P.O. Box 8517
Portland, OR 97207-8517
McFarlin & Geurts makes no representations regarding the accuracy of the information contained herein, it is simply provided as a starting point for borrowers attempting to contact their lender, all numbers are subject to change. McFarlin & Geurts can offer no guarantees, warranties, or predictions of result or accuracy.
