Servicer guide · Verified September 30, 2026
Behind on a mortgage serviced by Guild Mortgage? Here is the number to call, what to say, what to send, and the New Jersey protections that apply no matter who services your loan.
You may also see: Guild
Published for mortgage assistance
800-365-4884Read on guildmortgage.com on September 30, 2026. Servicers merge and renumber, so the number on your own statement always wins.
Apply online by logging in to your Guild account, or email hardshipassistance@guildmortgage.com. Guild notes that available options depend on who owns your loan.
Guild Mortgage's own assistance page names these options. Which ones you qualify for depends on who owns the loan (Fannie Mae, Freddie Mac, FHA, VA, USDA or a private investor), your income and how far behind you are.
Forbearance
Payments are paused or reduced for a set period. The skipped amount does not disappear; at the end it is handled through a repayment plan, a deferral or a modification.
Repayment plan
You pay the regular payment plus part of the past-due amount each month until you are caught up. Works when the hardship is over and income is back.
Loan modification
A permanent change to the loan, such as a longer term, a lower rate, or rolling the past-due amount into the balance, to reach a payment you can afford.
Payment deferral
Missed payments are moved to a separate balance that is due when the loan is paid off, the home is sold or the loan is refinanced.
Partial claim (FHA)
For FHA loans: HUD covers the past-due amount through a zero-interest second lien that is repaid when the home is sold or the loan is paid off.
Short sale
Selling the home for less than the amount owed, with the servicer’s approval. It ends the foreclosure without an auction.
Deed in lieu of foreclosure
Signing the home over to the loan owner to end the foreclosure. Usually considered after a short sale has been tried.
Have these in front of you. Ten minutes of prep makes the call shorter and the file stronger.
“I’m behind (or about to fall behind) on my mortgage because of [the hardship]. I’d like to apply for mortgage assistance. Please tell me every document you need for a complete application and the deadline to send it, and give me a reference number for this call.”
Then ask:
Write down the date, the name of the person you spoke with and the reference number, every time. That log is what you use if anything goes wrong later.
Send everything in one package, keep copies, and get proof it arrived (an upload confirmation, fax receipt or certified mail). Our free letter builder writes the hardship letter and the written requests servicers must answer.
Federal rules (all servicers). A complete application received more than 37 days before a scheduled sale must be evaluated for every option within 30 days, and while it is under review the servicer generally cannot move for a foreclosure judgment or order of sale, or hold the sale. If it arrives 90 days or more before a sale, you can appeal a modification denial. You are also entitled to a single point of contact.
New Jersey rules. A Notice of Intention to Foreclose must come at least 30 days before any complaint is filed. Once served, you have 35 days to answer. Eligible owner-occupants can use the court's free foreclosure mediation program, and you can generally cure the default up to final judgment. Guild Mortgage cannot shorten any of this.
Scam check
800-365-4884 (Mon-Fri 5am-5pm PT). Guild Mortgage publishes this number for mortgage assistance. We read it on guildmortgage.com on September 30, 2026. The number printed on your own statement always wins.
Yes. Guild Mortgage's own site describes an online way to request assistance. Apply online by logging in to your Guild account, or email hardshipassistance@guildmortgage.com. Guild notes that available options depend on who owns your loan.
Federal servicing rules generally protect you once a complete application is in. If Guild Mortgage receives a complete application more than 37 days before a scheduled sheriff sale, it must evaluate you for every option within 30 days and generally cannot move for a foreclosure judgment or order of sale, or hold the sale, while the review and any appeal are pending. "Complete" is the key word, so send everything at once and keep proof. A licensed New Jersey attorney can confirm how this applies to your case.
No. Applying for assistance is free, and upfront fees for foreclosure rescue services are generally illegal under federal and New Jersey law. A HUD-approved housing counselor (800-569-4287) will help you prepare and send the application at no cost.
Next steps
Not sure which option fits before you call? The free 2-minute assessment tells you which of the seven options still work at your stage.
See My Options, FreeNJ Foreclosure Guide is not affiliated with Guild Mortgage and is not paid by any servicer. This page is educational information, not legal advice; a licensed New Jersey attorney can confirm what applies to your case.
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