Mortgage Modification

Mortgage modification is all the buzz. It seems we hear about a new program every week, Hope 4 Homeowners, Helping Families Save Their Homes Act, and the most recent Homeowner Affordability & Stability Plan.  The Homeowner Affordability Act went into effect March 5, 2009.

So what should you do?  First and foremost, DO NOT PAY ANYONE TO DO A MORTGAGE MODIFICATION FOR YOU!!!!!!!!!!!!!!!!!!!!!!!

Did I stress that enough?  You have two choices to pursue your mortgage modification.  You can either use an approved non-profit organization to assist you, or contact your servicer on your own.  Just click this link to find a list of approved counselors.

http://www.hud.gov/offices/hsg/sfh/hcc/hcs.cfm?webListAction=search&searchstate=WI

Your second option is to contact your servicer.  This list is courtesy of David Leibowitz, Esq.

HOW TO REACH YOUR MORTGAGE COMPANY

* Accredited Home Lenders (877) 683-4446

* AMC Mortgage Services (Ameriquest and Argent) (800) 211-6926

* America’s Servicing Company 800-662-3806

866-674-1430

866-567-8439

800-842-7654

866-567-8440

866-426-5569

800-304-3100

* American Home Mortgage Servicing. (877) 304-3100

* Aurora Loan Services Home Retention Dept.: 866-519-1456 – 800-550-0508

* BB&T  Mortgage  800-827 3722

* Bank of America (800) 846-2222

* AmTrust (888) 696-4444

* Avelo Mortgage LLC 866 992 8356

* Benefical (800) 333-5848

* Carrington Mortgage Services – 800 477 0192 (option 2) or 800 561 4567

* Central Pacific Bank (800) 342-8422

* Charter One

CCO Mortgage

Citizens Bank      (800) 234-6002 0r 877 745 7355

* Chase (800) 446-8939

* Chevy Chase  Bank   866 391 8688

* Citi Financial Mortgage (800) 753-3673

* Citimortgage (800) 283-7918

* Citi – all entities – Loss Mitigation:  800-422-1498

* Countrywide (800) 262-4218 or 800 669 6607

* Ditech (800) 852-0656

* Downey Financial Corp. (800) 824-6902

* EMC (800) 723-3004 0r 888 577 4011 (Loss mitigation)

* Equity One (866) 361-3460

* Fifth/Third Bank  800-375-1745 (option 3) Loss Mitigation

* First Franklin (Home Loan Services/NationPoint) 800 622 5035 (Loss mitigation)

* First Horizon Home Loans  – Loss Mitigation 1st Mortgage – 800 707-9988 x 33805

* First Horizon Home Loans –

Loss Mitigation 2nd Mortgage – 800 396 6184

* Flagstar Bank    800 968 7700 ext 9780

* Fremont Investment & Loan  866 484 2901

* GMAC Mortgage  (800) 850-4622

* GMAC ResCAp (GMAC Mortgage,

Homecomings, GMAC Bank)   800 799 9240 option 5 ext 8743285

* GreenPoint Mortgage (Serviced by Countrywide) 800 669 6650

* Green Tree    (877) 816-9125

* HSBC all entities –  800 395 3489

* Home Loan Services, Inc (First Franklin

Nation Point, National City Bank) 800-622-5035 ext 24267

* HomEq    877 -867 -7378

* Household Finance (800) 333-4489

* Huntington National Bank (800) 323-4695

* Huntington Mortgage Group – 800-323-9865

* Indymac Federal Bank (877) 736-5556

* JP Morgan Chase   800-446-8939

* Litton Loan Servicing (800) 247-9727 – default counseling  (800) 999-8501

* MERS (not really a servicer but you may need to contact them) (800) 646-6377 – fax (703) 748-0183

* National City (800) 367-9305 or 800 622 5035

* Nation Star Mortgage   888-850-9398

* Nationwide Advantage Mortgage Company (800) 3563442

* New Century Financial (800) 790-9502

* Ocwen Federal Bank (800) 746-2936 or loss mitigation 877-596-8580

* Ohio Savings Bank (Now Amtrust) 800 860 2025 ext 8917

* Option One Mortgage Company  888-275-2648

* PHH Mortgage (Delinquency ) 800 330 0423 (Foreclosure) 800-750-2518

* Popular Mortgage Servicing 800 383 2292

* Prodovis Mortgage Company 888-878-0522 option 5home retention department

* ResMae Mortgage Corp.   866 794 80444 ext 5944

* Saxon Mortgage Services  – 888-325-3502 (Delinquent) 800-594-8422 (not delinquent)

* Select Portfolio Services  888-349-8968

* Sun Trust Mortgage (800) 634-7928

* US Bank (800) 365-7900

* Wachovia Bank (866) 642-8608

* Washington Mutual (JP Morgan Chase) (866) 926-8937

* Washington Mutual Bank – loss mitigation – prime 888 926 8937

* Washington Mutual Bank – loss mitigation – subprime – 888-708-4696 option 2

* Wells Fargo (800) 766-0987 – loss mitigation 800-275-9254 05 800 416 1472

* Wilshire Credit Corporation 888-917-1050

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