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My Nationstar -

You are not alone

If you are one of the millions of people struggling with their mortgage payments, you may feel frustrated, overwhelmed or unsure of what to do or where to go for 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.

Modification 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 refinance 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.

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

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.

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.

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