You have decided you need to talk to us. Maybe you haven't missed a payment yet, or maybe this is the first time you are paying late. We want to help you before it becomes serious.

Start with our Collections Team at 800.327.7861.

A counselor will listen to your situation and help you determine if it merits a short- or long-term solution. Based upon the situation you're in and the methods available to correct the situation, we will work with you or provide assistance to you during your period of hardship.

A hardship situation is generally defined as a situation beyond your immediate control that results in the default of your mortgage and may ultimately lead to foreclosure. Common hardship situations may include the following:

• Loss of job or reduction of income
• Death of the homeowner, spouse or family member
• Illness of homeowner or family member
• Divorce or separation
• forced job relocation by employer

Assistance may be available. Request a workout package by entering our Hardship Assistance program.

Remember - our goal is to help you before it becomes too late. You chose your home because it fit your budget and your lifestyle. We'll do our best to make sure it stays that way.