Home Equity Assistance

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800.669.6650 Monday through Friday
8 a.m.- 8 p.m. ET

Help is available in English,
Spanish, and many other languages.

Is a home equity loan modification right for you?

A home equity loan or line of credit modification may make payments more affordable.


You may be eligible1 if:

  • Payments have been difficult to make on a home equity loan or line of credit due to an increase in the loan payment or a reduction in income
  • The home equity account has been open for at least nine months
  • At least six full payments have been made during the life of the loan
  • The loan has only received a home equity modification once in the past 12 months, or twice in the past five years
  • All borrowers on the loan agree to participate

There are additional eligibility requirements for this program. Please contact us to learn more.

There are no fees with this program. However, certain costs, expenses and fees associated with the servicing of the loan incurred will need to be paid before the application for the modification is completed and approved. When the modification becomes final, all prior unpaid late charges will be waived.

Next steps

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Contact Us

When calling us to request a modification, please be ready with the loan number, the monthly pre-tax income for each borrower, monthly household expenses, and information about the current financial hardship.

We’ll review the situation, confirm your interest in a modification and send you a financial information packet.

Throughout the process, you'll have a Customer Relationship Manager who will answer all your questions and help guide you through the steps you'll need to take.


When you receive the financial information packet, you’ll need to complete, sign, and return the forms—along with any other documents that are requested—to us as soon as possible.

After we receive your documents, we'll contact you via phone or mail within five business days if any documents are incomplete or missing.

Once we have received all required documents, it may take us 30 calendar days to complete the evaluation process and notify you of our decision.

Trial period

If approved, a three-month trial period will begin to make sure the new payments can be made.

We'll send a Trial Period Plan Notice explaining the terms, such as the monthly payment amount, the deadline to accept the trial plan terms and the date the first trial payment is due. Payments can be made through Online Banking, by mail, or over the phone.

Once all trial payments have been made, we’ll send you the Modification Agreement.


The Modification Agreement defines the changes to the home equity loan. This agreement must be signed, notarized (as required) and returned to us by the stated deadline for the modification to become permanent.

Once completed, we are required to report the modification to the credit bureaus, which may negatively impact your credit.

What if I'm not eligible or get declined?

Please call us if your financial circumstances have changed. We may be able to reevaluate your eligibility for a program.

Call us


800.669.6650 Monday through Friday
8 a.m. - 8 p.m. Eastern

Help 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 of the Program.