Please find Loan Servicing Payment Options and Home Retention Options on this page relating to your real estate loan.
Please feel free to email us or call us at (619)298-4990 or (800)870-6225 for any questions or assistance about the servicing of your loan.
You may email us any time and we will be available to take your call personally Monday through Friday from 9:00 to 4:00 except major holidays. Thank you!
Homeowners' Bill of Rights
Each lender is different. Your lender may or may not consider a modification. We look forward to arranging a amicable alternative to foreclosure which may involve an agreement between you as the borrower and the lender who were are servicing the account on behalf of. Please contact our office with a full package for your lenders' consideration and determination.
Feel free to contact us at our toll free phone number for home preservation (800)870-6225. We look forward to assisting you with your payment questions and account inquiries. We are a loan servicer, providing collection on behalf of various lenders throughout the state. Loan Retention or Loan Modifications will depend on your Lender. Programs may be available to qualified borrowers upon lender approval. As a loan servicer, we will work with you and your lender to determine any options available.
If you are unable to afford your mortgage payments and wish to avoid foreclosure, there may be options available for you. You may bring your loan current. Please contact us for the amount due. To request Reinstatement Amount or call us at (619)298-4990 or (800)870-6225. You may qualify for a Loan Modification or Loan Forbearance Plan depending on your lenders' requirements. Either of these plans will require a written agreement signed by the parties setting forth the payments to be paid. Please see below for the documentation required to discuss the availability of a plan for your needs and ability to pay. You may call us at 800.870.6225 to discuss your loan. You may be able to refinance your loan.
You can contact The U.S. Department of Housing and Urban Development (HUD) for free or low cost housing counseling. The counselors can assist you in understanding the law and the options available to you. They can help you in negotiations with your lender and organizing your finances. If you would like this assistance, you may call HUD at (800) 569-4287 or TTY (800) 877-8339 to find an approved counselor near you. You may click to go to the HUD web site for Tips on Avoiding Foreclosure. Visit HUDs web site for additional information, to visit their site click HUD. To download a brochure from HUD, click here.
If your are not able to keep your home and loan is in first position and you do not have any secondary financing, your lender may accept a Deed in Lieu of Foreclosure.
If you wish to sell your home, you may sell your home. If the amount financed is greater than the amount you can sell the property for on an open market, your lender may accept a short sale. Please contact us and provide us with contact information for your real estate agent.
If you would like to apply for a Loan Modification or Forbearance Plan on your loan with us, please gather and fax or email the following documents: Most recent Statement of Account for all loans or mortgages on the property. Most recent two months Pay Stubs for all borrowers on the account. Most recent two months Bank Statements for all borrowers on the account. Completed statement of information including real estate owned, contact information including addresses, phone numbers, and employers. As your loan servicing company, we will forward the information to your lender for consideration and contact you as quickly as possible. Please feel free to call us or email us with any questions.
Unified Mortgage Service, Inc. is a Debt Collector, and is attempting to collect a debt. Any information obtained by Unified Mortgage Service, Inc. will be used for that purpose.
The state Rosenthal Fair Debt Collection Practices Act and the Federal Fair Debt Collection Practices Act require that, except under unusual circumstances, collectors may not contact you before 8:00a.m. or after 9:00p.m. They may not harass you by using threats of violence or arrest or by using obscene language. Collectors may not use false or misleading statements or call you at work if they know or have reason to know that you may not receive personal calls at work. For the most part, collectors may not tell another person, other than your attorney or spouse about your credit. Collectors may contact another person to confirm your location or enforce a judgment. For more information about debt collection activities, you may contact the Federal Trade Commission at 1-877-FTC-HELP or www.ftc.gov. Call us at (800)870-6225 to set up an appointment to discuss your loan.
If you have questions regarding the terms used, please refer to this mortgage glossary.
If you have any questions about how your loan servicing is handled, please feel free to contact us.
Thank you!
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