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Homeowner Assistance -

Nationstar Mortgage is here to help

We are committed to preserving neighborhoods and communities through continued home ownership. Even in difficult times there are options available, and we're dedicated to helping you find a solution that meets your unique needs.

Homeowner Assistance Solutions

Whether you’re looking for a way to make your payments easier each month or you’ve already fallen behind, you have options. To learn which ones may be right for you, click on the links below.

  • I would like to stay in my home
  • I don’t want to keep my home,
    but I would like to avoid
    foreclosure

Please click on the links to the left to learn more about your options.

Refinance your loan with a Nationstar refinance or a HARP refinance

You may be able to save money by refinancing into an entirely new loan with a lower interest rate and/or new loan terms. Nationstar Mortgage offers a variety of mortgage products, which gives you the flexibility of being able to refinance your mortgage or convert an existing ARM to a fixed loan. Even if you owe more than your home is worth, you could still qualify. We offer a variety of government and private programs to assist you.

How could refinancing potentially impact your mortgage?
Use the Refinance calculator on Fannie Mae’s KnowYourOptions.com to find out.

Refinance Calculator

Possible eligibility* factors include:

  • The amount of equity you have in your home
  • Whether you’re current on your payments
  • The length of time you’ve been in your home

Click on the Getting Started tab to learn how to begin the process.

Modify Your Loan with a Nationstar modification or a Home Affordable Modification (HAMP)

If you are facing a long-term hardship, a loan modification may be a good option to help get you back on track. With a modification, you can temporarily or permanently change the terms of your loan, such as loan type, interest rate or term length, to resolve your mortgage delinquency and possibly lower your monthly payment amount. Nationstar offers a variety of modification programs to suit your needs, including government and private.

Curious how a modification would impact your mortgage?
Use the modification calculator on Fannie Mae’s KnowYourOptions.com to find out.

Modification Calculator

Possible eligibility* factors include:
How far behind you are on your payments
Your current gross (pre-tax) income
Your current unpaid principal balance
Any prior modifications or refinances
Whether the property is your primary residence
The date you originally closed on your loan<
Whether there are any other liens against the property
Your loan type - fixed rate or adjustable rate mortgage
For a list of all available modification options, eligibility factors and required documents, click here.

Ready to get started? Click on the Getting Started tab to submit an application online or to download, print and send the forms you will need to apply for mortgage assistance.

Other Options for Temporary Hardship

Repayment

If you’ve fallen behind on your payments, a repayment plan may give you the opportunity you need to manage unexpected expenses and work towards catching up on your mortgage. This plan works by distributing the delinquent amount over a period of time (usually no more than 6 months). You will continue to make your normal payments plus an additional portion of the past due amount until you are caught up and your mortgage is current. This is a good option if your hardship is temporary.

Click on the Getting Started tab to learn how to begin the process.

Partial Payment or Forbearance

If you’re experiencing or have experienced a temporary hardship, Nationstar may be able to offer you a forbearance agreement, which could possibly delay or reduce your payments until you can bring your mortgage current. This option could help you get your finances back on track without the worry of losing your home. There are also options specifically for borrowers who are currently unemployed.

Click on the Getting Started tab to learn how to begin the process.

I don’t qualify for a modification

If modification is not an option you may still be eligible to avoid foreclosure through the Home Affordable Foreclosure Alternative program.

Please click on the links to the left to learn more about your options.

Sell your home for less than you owe

You may be able to sell your home for less than the balance remaining and use the proceeds to pay off a portion (or all) of your mortgage debt. With this option you may eliminate or reduce your mortgage debt, avoid the negative impact of a foreclosure and start repairing your credit sooner.

Possible eligibility* factors include:

  • Proof of financial hardship
  • Previous attempts to sell your property at the fair market value for at least 90-120 days

Click on the Getting Started tab to learn how to begin the process.

For a list of all available short sale options, eligibility factors and required documents, click here.

Voluntary transfer of ownership

You can be released from your mortgage loan and payments by transferring ownership of your property to the mortgage owner or lender. With this option you may eliminate or reduce your mortgage debt, avoid the negative impact of a foreclosure and start repairing your credit sooner, and in some cases, you may be eligible for relocation assistance.

Possible eligibility* factors include:

  • Proof of financial hardship
  • Previous attempts to sell your property at the fair market value for at least 90-120 days

Click on the Getting Started tab to learn how to begin the process.

For a list of all available deed-in-lieu options, eligibility factors and required documents, click here.

* Please note that these are just some of the factors that may or may not be considered when determining your eligibility. To have your eligibility determined by a loan counselor, please fill out and submit the requested information on the 'Getting Started' tab.

RMA/UBAF
The application for modification assistance used to obtain general information about your current situation
4506-T
The 4506-T or 4506-TEZ form to verify taxes are filed and complete with the IRS that allows us to verify income information
Recent Year 1040 Tax Form
Your most recent tax return that allows us to verify your most recent declared income
Pay Stubs
Your pay stub is the information attached to your physical paycheck that verifies wage income provided by your employer, which we use as supplemental documentation to support the income information you provided in your RMA application. If you receive your paychecks via direct deposit, contact your employers HR department about where to obtain copies of your pay stubs.
Self-Employment (P&L)
If you are self-employed with no direct employer or do direct contract work, the Profit and Loss Statement allows us to verify income we would have otherwise been able to obtain via employer provided pay stubs.
Fixed Income Certification
If you are living on a fixed income, award letters from your source of income will need to provided along with proof of receipt for the most recent two months. These award letters will be needed to verify your monthly fixed income amounts. Examples of fixed income might be Social Security benefits, a pension plan, retirement benefits or Annuities.
Proof of Occupancy Certification
A luxury bill dates within the last ninety days used to verify whether the borrower is living in the subject property or a different property. This bill must be something other than standard utility bills or bank statements. Examples of luxury bills include those for cable or internet
Rental Income Certification
A copy of an lease agreement or agreements owned by the borrower being rented by a third party, mortgage statement(s) for properties owned showing PITI and proof of receipt of rental income for the most recent two months. which willl be used to verify income or housing expenses for other properties not the subject property.
1099R Income
1099 form from the most recent tax year used to indicate the income received. This is used to verify whether the previous income was a one-time or recurring distribution.
S-Corp
A Schedule E, 1120S or K1 form is needed when the business listed on Schedule E of the most recent year's 1040 tax return is a coporation.
Partnership
A Schedule E, 1120S or K1 form is needed when the business listed on Schedule E of the most recent year's 1040 tax return is a partnership.
Food Stamps
If you are receiving income for food assistance, an award letter or bank statement showing direct deposits will be needed detailing the monthly income received.
Contribution Form
If you have a contributor or are a contributor living in the property and/or you are contributing to the mortgage, a contribution form will be used to verify contributor information. Proof of Occupancy and relevant income documents will also be required to verify income.
Deceased Borrower
If you are applying for a modification and your co-borrower is deceased, a court recorded executor/administrator document or living will will be necessary along with a death certificate to confirm your full ownership of the property.
Child Support/Alimony
If you are receiving extra income via child support or alimony then an award letter, court recorded divorcee decree or seperation agreement and two months proof of receipt of payment are required to verify the additional income.
Hardship Letter
As part of your application process, we require a letter for you outlining the reason for your hardship and your plan to keep your mortgage current. This information allows us to understand your circumstance and help match with the best option.
HOA/Condo Fees
If you pay HOA or Condo Fees then an HOA Bill, HOA Statement or Letter from your HOA that tells us how much you are required to pay the association and how often must be supplied.
Divorced Borrowers - Both on Loan
If you are divorced from the co-borrower on your loan, a court recorded Divorce Decree, court recorded seperation agreement or Quit Claim Deed needs to be supplied so that we can confirm your ownership of the property. If your hardship is related to your divorce this information is needed as proof of the hardship as well.
Divorced Borrowers - One on loan
If you have recently experienced a divorce that is the reason for your hardship, a court recorded Divorce Decree, court recorded seperation agreement or Quit Claim Deed needs to be supplied so that we can confirm your hardship and ownership of the property.
Ready to apply?

Read our guide on How to Apply for Mortgage Assistance. This provides you with the steps, forms and documents you'll need to complete and provide to us in order to start the process.

Start the application
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Or, to submit your application by mail, download and complete the following forms:
Choose one application:

UBAF: Uniform Borrower Assistance Form (for Fannie Mae, Freddie Mac, FHA, VA or USDA - Rural Housing loans) RMA: Request for Mortgage Assistance Form (for loans outside of Fannie Mae, Freddie Mac, FHA, VA or USDA-Rural Housing loans)

Additional documents you need to submit along with your application:

IRS 4506T - EZ Form
Hardship Affidavit Form
Dodd-Frank Form
Profit and Loss Form
Contributor Form

Here’s what you need to know if you recently completed or applied for a loan modification, and then you found out your loan was transferred to Nationstar.



My Modification Status
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My Modification Notifications

Avoid Foreclosure Scams - Unfortunately, foreclosure prevention has become a target for scam artists. Be wary of companies or individuals offering to help you for a fee, even if that person claims to be a Nationstar employee and never send a mortgage payment to any company other than the company listed on your monthly mortgage statement. At Nationstar, help is free, there is no cost to apply for a modification.

Fraud Warning - Please be aware of third parties attempting to collect payment under the names of “Trial Payment Services” or “Trust Payment Center.” These fraudulent companies are not affiliated with Nationstar Mortgage LLC; however, these companies in some instances have used Nationstar letterhead so that their letters appear to be from Nationstar. The letters request payments to be made payable to “Trial Payment Services” and sent to an address that is not a Nationstar address. Please note that if you make your payments by check, your payment should be made payable to “Nationstar Mortgage” and sent to PO Box 650783, Dallas TX 75265-0783. You should only make checks, wires, certified funds or other payments directly to “Nationstar Mortgage” as the payee/recipient. Please contact Nationstar immediately at 888 480-2432 if you feel you have been a victim of a fraudulent attempt to collect payment from a non-Nationstar affiliated company.

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