Servicer guide · Verified September 30, 2026

Truist Mortgage Assistance: How to Reach the Hardship Team

Behind on a mortgage serviced by Truist? 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: Truist Mortgage

Published for mortgage assistance

800-443-1032

Hours: Mon-Thu 8am-10pm ET; Fri 8am-8pm ET; Sat 9am-1pm ET

Online application: No (paper or phone process)

Assistance page: truist.com

Read on truist.com on September 30, 2026. Servicers merge and renumber, so the number on your own statement always wins.

How Truist handles assistance requests

Truist asks you to call first, then send documents by fax, mail or email. It says a Home Preservation Specialist reviews a complete application within 30 days.

Options Truist lists

Truist'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.

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.

Before you call Truist

Have these in front of you. Ten minutes of prep makes the call shorter and the file stronger.

Your loan number and most recent statement.
Your total monthly household income before and after taxes.
Your main monthly expenses (a rough list is fine).
What caused the hardship, when it started, and whether it is over.
What monthly payment you could realistically make now.

What to say

“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:

Who owns my loan (the investor)? The owner’s rules decide which options exist.
Is a foreclosure sale date scheduled, and if so, when?
Who is my single point of contact, and how do I reach them directly?
Where do I send documents, and how will you confirm you received them?

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.

Documents Truist will usually ask for

The servicer’s own assistance application, every page, signed and dated.
A short hardship letter: what happened, when, and what has changed.
Proof of income: usually the last 30 to 60 days of pay stubs, or benefit and pension letters.
The last two months of bank statements, all pages.
Your most recent federal tax return (often two years if self-employed).
A signed IRS Form 4506-C if the servicer asks for it.

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.

Your protections while Truist reviews you

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. Truist cannot shorten any of this.

Scam check

Never send mortgage payments to a new company unless you received a formal notice that servicing was transferred. Confirm by calling the number on your last statement.
If someone calls claiming to be Truist, hang up and call back on the number above or on your statement.
Nobody legitimate charges an upfront fee to get you a modification or postpone a sale.

Check an offer with the free scam checker

What is Truist's mortgage assistance phone number?

800-443-1032 (Mon-Thu 8am-10pm ET; Fri 8am-8pm ET; Sat 9am-1pm ET). Truist publishes this number for mortgage assistance. We read it on truist.com on September 30, 2026. The number printed on your own statement always wins.

Can Truist apply for assistance online?

Truist's site describes a paper or phone process rather than a fill-in online application. Truist asks you to call first, then send documents by fax, mail or email. It says a Home Preservation Specialist reviews a complete application within 30 days.

Can Truist foreclose while my application is being reviewed?

Federal servicing rules generally protect you once a complete application is in. If Truist 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.

Should I pay someone to deal with Truist for me?

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, Free

Other mortgage servicers

NJ Foreclosure Guide is not affiliated with Truist 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.