Verified September 30, 2026
Every modification, forbearance and repayment plan starts with the same move: contacting your servicer's loss mitigation department. Here is how to reach it at the largest servicers, with every number verified against the servicer's own site.
Before you dial: your servicer is whoever you send payments to, named on your statement; it may differ from the company that gave you the loan. Ask for "loss mitigation" or "mortgage assistance," request the full application, and write down the date, the person's name, and what was said, every call. A complete application carries legal protections an incomplete one does not.
44 servicers, A to Z. Tap a name for the full guide: what to say, documents to send, and your protections while they review you.
Main line; ask for loss mitigation. Also: AmeriHome.
AmeriHome Mortgage guide →Published for mortgage assistance. Also: BofA, BoA.
Bank of America Home Loans guide →Published for mortgage assistance. Also: BSI, Servis One.
BSI Financial Services guide →Main line; ask for loss mitigation. Online application available. Also: Carrington.
Carrington Mortgage Services guide →Main line; ask for loss mitigation. Also: Cenlar FSB, LoanAdministration.com.
Cenlar guide →Published for mortgage assistance. Online application available. Also: Chase Mortgage.
Chase Home Lending guide →Main line; ask for loss mitigation. Also: Citadel Servicing, Acra Lending.
Citadel Servicing Corporation guide →Published for mortgage assistance. Online application available. Also: Citizens Bank.
Citizens guide →Main line; ask for loss mitigation. Online application available. Also: Columbia Bank NJ.
Columbia Bank guide →Published for mortgage assistance. Also: Freedom.
Freedom Mortgage guide →Published for mortgage assistance. Online application available. Also: Guild.
Guild Mortgage guide →Published for mortgage assistance. Also: Huntington, Huntington National Bank.
Huntington Bank guide →Published for mortgage assistance. Online application available. Also: Key Bank, Key.
KeyBank guide →Main line; ask for loss mitigation. Also: Lakeview.
Lakeview Loan Servicing guide →Published for mortgage assistance. Online application available. Also: M&T, M and T Bank.
M&T Bank guide →Published for mortgage assistance. Also: MidFirst Bank, Midland, MidFirst.
Midland Mortgage guide →Published for mortgage assistance. Also: Nationstar, Nationstar Mortgage, Mr. Cooper Powered by Rocket Mortgage.
Mr. Cooper guide →Main line; ask for loss mitigation. Online application available. Also: New Residential.
Newrez guide →LoanCare, which services NJHMFA first mortgages (as listed by NJHMFA). Also: NJHMFA, HMFA, New Jersey HMFA.
NJ Housing and Mortgage Finance Agency guide →Main line; ask for loss mitigation. Online application available. Also: PHH, PHH Mortgage, Onity.
Onity Mortgage guide →Published for mortgage assistance. Also: PennyMac Loan Services.
Pennymac guide →Main line; ask for loss mitigation. Online application available. Also: Planet, Planet Home.
Planet Home Lending guide →Published for mortgage assistance. Online application available. Also: PNC, PNC Mortgage.
PNC Bank guide →Bank-wide customer service. Also: Provident, Provident Bank NJ.
Provident Bank guide →Main line; ask for loss mitigation. Also: Guaranteed Rate, Rate.com.
Rate guide →Published for mortgage assistance. Also: Rocket, Rocket.com.
Rocket Mortgage guide →Main line; ask for loss mitigation. Online application available. Also: Rushmore.
Rushmore Servicing guide →Published for mortgage assistance. Online application available. Also: SPS, Select Portfolio.
Select Portfolio Servicing guide →Main line; ask for loss mitigation. Online application available. Also: MyServiceMac, First American ServiceMac.
ServiceMac guide →Main line; ask for loss mitigation. Also: Shellpoint, Newrez LLC dba Shellpoint Mortgage Servicing.
Shellpoint Mortgage Servicing guide →Main line; ask for loss mitigation. Also: SLS, Specialized Loan Servicing LLC.
Specialized Loan Servicing guide →Published for mortgage assistance. Online application available. Also: US Bank, U.S. Bank Home Mortgage, USBank.
U.S. Bank guide →Main line; ask for loss mitigation. Also: UWM.
United Wholesale Mortgage guide →Bank-wide customer service (24/7). Also: Valley National Bank, Valley.
Valley Bank guide →Published for mortgage assistance. Also: Village Capital.
Village Capital & Investment guide →Published for mortgage assistance.
Wells Fargo Home Mortgage guide →Numbers verified against each servicer's own published pages on September 30, 2026; servicers merge and renumber, so the number on your own statement always wins. Servicer not listed? The assistance number is on every monthly statement, or a free HUD-approved counselor can find it with you.
Not sure whether calling is even the right move at your stage? Two minutes tells you which of the seven options fit, and this call is step one for five of them.
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