Federal Housing Administration (FHA) Modification
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800 669 6650
800 669 6650 Mon-Fri 8 a.m. - 8 p.m. EasternHelp is available in English, Spanish and many other languages.
Is an FHA modification right for you?
An FHA modification may lower your monthly mortgage payment.
Eligibility
You may be eligible1 if:
- You're having trouble paying your mortgage due to a financial hardship
- Your first mortgage is an FHA-insured home loan
- You own the home and it’s your primary residence
- You have had your FHA-insured mortgage for at least 12 months
- You’ve made at least four full payments during the life of your loan
- You haven’t exceeded the modification limits set by the insurer of your loan
- All borrowers on your loan agree to participate
There are additional eligibility requirements for this program. Please contact us to learn more.
There are no fees and no minimum credit score requirements with this program. However, you will be responsible for certain costs, expenses and fees associated with the servicing of your loan that were incurred by you before the application for the modification is completed and approved (such as foreclosure attorney fees). When your modification becomes final, all prior unpaid late charges will be waived.
What if I'm not eligible or get declined?
Please call us to discuss other options. If we can't find another affordable option that works for you to stay in your home, you may need to consider options that involve leaving your house.
If your house is currently worth less than the amount remaining on your loan, you may be able to sell your property in a short sale.
Call us
800 669 6650
800 669 6650 Mon-Fri 8 a.m.-8 p.m. EasternHelp is available in English, Spanish and many other languages.
1 These eligibility requirements are informational and are not intended as a commitment to modify your home loan nor is this an exhaustive list of the eligibility requirements of the Program.