menu loanDepot.com home search Make A Payment Apply Now Homeowner Support Resources Trouble Making Payments If your loan is currently with loanDepot and you are having trouble making your mortgage payment due to change or loss of your job, serious illness, divorce or other difficult situation, loanDepot may be able to work with you to enable you to catch up on your payments or assist you in avoiding the loss of your home through foreclosure. Eligibility is based on a case by case basis and we may be able to arrange one of the following solutions for you. To receive information from the Department of Housing and Urban Development or a HUD certified counseling agency, please call phone number 1-800-569-4287 If your property is located in the State of Washington, and you would like to speak to a counselor, please call the Washington Homeownership Information Hotline at 1-877-894-HOME phone number (1-877-894-4663). You will be connected to a counselor who is near you that can help. Repayment Plan If your situation is temporary, you may be able to pay back your past due payments over an extended period of time while making our regular monthly payment. This will allow you to catch up on late payments without having to come up with a lump sum to bring your loan current. Forbearance Plan If your situation is temporary but expected to last long term, you may be able to make reduced or no mortgage payments for a specific period of time providing you with time to improve your situation and get back on your feet. Loan Modification After a three month trial period plan where you make payments based on the projected modified terms of your mortgage, you may be eligible to permanently modify your mortgage so that your payments or terms are more manageable. This is a permanent solution to a long-term or continuing hardship. Partial Claim Note: This option is only available on loans insured by HUD You may qualify for a loan in the amount that will bring your mortgage current. The loan is considered a subordinate lien that is payable when you pay off your mortgage. You will be required to sign loan documents as a part of this program. Short Sale In some cases, you may not be able to keep your home. A short sale will allow you to sell your home for less than what is owed when you owe more than what your home is worth. This option will allow you to transition out of your home without going through foreclosure and in some cases, relocation assistance may be available. Deed in Lieu of Foreclosure or Mortgage Release You may be able to transfer ownership of your property to us when you are unable to sell your home and will allow you to avoid going through a foreclosure. In some cases, relocation assistance is available. You will need to assist in obtaining approval from any subordinate lien holders on your property. Borrower Response Package information You must complete a Borrower Response Package and return it to loanDepot. To help you get started, follow the instructions below and return a complete package to our office. Forms In order for us to review your request for Loss Mitigation Assistance, please print and complete the forms below and return them to us at your earliest convenience Review the following: a. Information on Avoiding Foreclosure b. Frequently Asked Questions and Beware of Scam Information Complete the Borrower Response Package which consists of the following documents: a. Mortgage Assistance Application b. IRS FORM 4506C There are many possible solutions to managing your mortgage during these tough times. The most important step you can take is to contact us for assistance today. Home Purchase Calculator loanDepot’s easy-to-use calculator puts you in charge of estimating your mortgage payment. CALCULATE NOW Refinance Calculator Time to refinance? loanDepot’s powerful savings tool will assess your options instantly CALCULATE NOW customercare@loandepot.com mail To customercare@loandepot.com (888) 337-6888 x 6789 telephone 888 337-6888 x 6789 LinkedIn - Instagram - Instagram - LinkedIn - youtube HOME PURCHASE HOME REFINANCE LOAN OPTIONS LEGAL HELP To view legal disclosures and important notices, please click the following: Lifetime Guarantee Disclaimers Rate Assumptions Accessibility Accessibility Unsubscribe Unsubscribe NMLS#174457 - NMLS Consumer Access | ©2009-2021 loanDepot.com, LLC all rights reserved