It is important that homeowners be prepared for the unexpected, such as the evacuation their home due to hurricane, forest fire, flooding or other natural disaster. Having a checklist of legal and financial documents to carry with you is key. Download the evacuation tips from the right side of this page to learn more about necessary documents and contact numbers you need in the aftermath of a natural disaster. While policies may differ from company to company, most mortgage bankers offer extended grace periods and postpone foreclosure actions in the event of regional or national disasters. During such times, "grace periods" are usually granted. This means that any borrower who lives within the zip codes published by the Federal Emergency Management Agency (FEMA) as being federal disaster areas will not — during the grace period — be charged late fees nor have late payments reported to credit agencies that can negatively impact their credit scores. In such cases, MBA and its members urge consumers to call their servicers to confirm the length of the grace periods and to discuss additional or long-term solutions. In addition, mortgage bankers often will assist borrowers in making contact with their hazard and flood insurance companies. Given the expected length of time it may take for those hardest hit to recover, mortgage bankers will re-evaluate their policies periodically to determine their appropriateness. The MBA and its members encourage injured parties to directly contact the mortgage company to which they regularly make mortgage loan payments.
Accredited Home Lenders
Calif: (877) 273-4599
8 a.m.-5 p.m. PST, Monday-Friday
Fla: (866) 307-0315
11 a.m.-8 p.m. EST
English and Spanish
www.accredhome.com Aurora Loan Servicing
(866) 521-3828
8 a.m.-4 p.m., Monday-Thursday
8 a.m.-4 p.m., Saturday
All languages
www.myauroraloan.com
Avelo Mortgage LLC
(866) 992-8356
7 a.m.-10 p.m. CST, Monday-Thursday
7 a.m.-6 p.m. CST, Friday
English and Spanish
www.avelomortgage.com Bank of America
(800) 846-2222 (Collections)
8 a.m.-9 p.m., Monday-Friday
English and Spanish
www.bankofamerica.com
(select Service My Mortgage or Payment Counseling) Central Pacific Bank
(800) 342-8422
7:30 a.m.-7 p.m., Monday-Friday
9 a.m.-5 p.m., Saturday
Hawaiian, English
www.centralpacificbank.com Charter One Mortgage Insurance
(800) 366-7300
Mon - Fri, 8 a.m. - 5:00 p.m. MT
English and Spanish
email: servicing@charterco.com
www.charterco.com/residential/mortgage-services.cfm Chase Home Finance
Customer Service: (800) 848-9136
8 a.m.-9 p.m., Monday-Friday
Prime Loan Loss Mitigation: (800) 446-8939
8 a.m.-9 p.m., Monday-Friday
Subprime Loss Mitigation: (800) 854-4613
8 a.m.-9 p.m., Monday-Friday
English and Spanish
www.chase.com Chase Home Finance (NJ)
(800) 446-8939
8 a.m.-9 p.m., Monday-Friday
English and Spanish
http://chasehomemortgage.com Chevy Chase Bank
Customer Service: (800) 933-9100
8:30 a.m.-4:30 p.m., Monday-Friday
Loss Mitigation: (301) 939-4087
7:30 a.m.-4:30 p.m., Monday-Friday
All languages
www.chevychasebank.com/htm/mortgages.html CitiMortgage Loans
Loss Mitigation: (866) 272-4749
7 a.m.-4 p.m. CST, Monday-Friday
Collections: (800) 723-7906
6 a.m.-11 p.m. CST, Monday-Friday
9 a.m.-1 p.m. CST, Saturday
5 p.m.-9 p.m. CST, Sunday
Refinance: (800) 667-8424
7 a.m.-8 p.m. CST, Monday-Friday
8 a.m.-2 p.m. CST, Saturday
English and Spanish
www.citimortgage.com EverHome Mortgage
(800) 669-9721
8:30 a.m.-5:30 p.m., Monday-Friday
www.everhomemortgage.com
First Franklin Loan Services
Resolution Counseling: (800) 622-5035
F.F.L.S Hope Now: (800) 500-5022
7:00am - 11:00 pm Eastern Time
Monday through Friday
Bilingual
Email: hls_hope@hls.ml.com
www.viewmyloan.com
(select Service My Mortgage or Payment Counseling) First Horizon Home Loans
(800) 919-5376
8 a.m.-5 p.m., Monday-Friday
English and Spanish
www.firsthorizon.com/loans.home.cfm Flagstar Bank
(800) 945-7700, ext. 9780
8:30 a.m.-5 p.m., Monday-Friday
All languages
www.flagstar.com/lending/mortgage Fremont Investment & Loan
(866) 484-0291
8:30 a.m.-6 p.m. PST, Monday-Friday
English and Spanish
www.1800fremont.com GMAC Mortgage
(800) 850-4622
7 a.m.-11 p.m. CST, Monday-Thursday
7 a.m.-6 p.m. CST, Friday
8 a.m.-12 p.m. CST, Saturday
English and Spanish
www.gmacmortgage.com Homecomings Financial (now GMAC)
(800) 799-9250
7 a.m.-11 p.m. CST, Monday-Thursday
8 a.m.-12 p.m. CST, Saturday
English and Spanish
www.homecomings.com/Resource_Center/ResourceCenter.html HSBC Mortgage Services
(800) 365-6730
8 a.m.-6 p.m., Monday-Friday
English and Spanish
www.hsbcmortgageservices.com
Indymac Bank (OneWest)
(877) 736-5556
8 a.m.-9 p.m., Monday-Friday
All Languages
www.indymacbank.com Litton Loan Servicing
(800) 999-8501
8 a.m.-10 p.m. CST, Monday-Thursday
8 a.m.-5 p.m. CST, Friday
8 a.m.-12 p.m. CST, Saturday
10 a.m.-2 p.m. CST, Sunday
All languages
www.littonloan.com Midland Mortgage Co.
Phone 1-800-654-4566
www.MyMidlandMortgage.com National City Home Loan Services (now PNC)
(800) 367-9305
8 a.m.-5 p.m., Monday-Friday
English and Spanish
www.nationalcity.com National City Mortgage (now PNC)
( 800) 822-5626
8 a.m.-5 p.m.
English and Spanish
www.nationalcitymortgage.com NationPoint Loan Services
800-346-6437
7:00am - 11:00 pm Eastern Time
Monday through Friday
Bilingual
Email: hls_hope@hls.ml.com
www.viewmyloan.com/nationpoint
(select Service My Mortgage or Payment Counseling)
Nationstar Mortgage
(888) 480-2432, ext. 3705
8 a.m.-8 p.m. CST, Monday-Friday
English and Spanish
www.nationstarmtg.com Nationwide Advantage Mortgage Company
(800) 356-9442, ext. 7366 and 7127
8 a.m.-4:30 p.m. CST
Email: custserv@nationwide.com
www.nationwide.com New Century Financial (now Carrington Mortgage Services)
(800) 790-9502
7 a.m.-6 p.m. PST, Monday-Thursday
7 a.m.-6 p.m. PST, Friday
English and Spanish
www.carringtonms.com Ocwen Financial Corportation and Loan Servicing
Home Retention Department: (877) 596-8580
Monday-Thursday, 24 hours
Friday 12 a.m. - 7p.m.
Saturday 9am to 4pm, EST
Collections: (800) 310-9229
Monday - Thursday: 8 a.m. - 11 p.m.
Friday 8 a.m. - 7 p.m.
Saturday 9 a.m. - 4 p.m.
Sunday 3 p.m. - 9 p.m.
Customer Service: (800) 746-2936
Monday - Thursday 8 a.m. - 9 p.m.
Friday 8 a.m. - 7 p.m.
English and Spanish
www.ocwen.com Ohio Savings Bank (now AMTrust Bank)
(866) 476-0022
8 a.m.-10 p.m., Monday-Friday
8 a.m.-12 p.m., Saturday
12 p.m.-9 p.m., Sunday
English and Spanish
www.amtrust.com PHH Mortgage
(800) 750-2518
8:30 a.m.-5 p.m. EST, Monday-Friday
All Languages
Email: MBSlossmitigation@mortgagefamily.com
www.mortgagequestions.com Regions Mortgage
(800) 748-9498
8 a.m.-8 p.m. CST, Monday-Thursday
8 a.m.-6 p.m. CST, Fridays
8 a.m.-12 p.m. CST, Saturday
English and Spanish
www.regions.com/mortgage/payment_hardship.rf
Email your property address and telephone number to loancounselors@regions.com and a loan counselor will contact you. ResMAE Mortgage Corporation
Please add ResMAE Mortgage Corporation (866-804-5604) 8:00 am to 10:00 pm (CST)
English and Spanish
www.resmaemortgage.com Saxon Mortgage Services Inc. (previously Meritech Mortgage Services and CRAM Mortgage Services)
(888) 325-3502
7 a.m.-10 p.m., Monday-Friday
All Languages
Email: lossmit@saxonmsi.com
www.saxononline.com
Users log in to see workout options and financial plans. Select Portfolio Servicing
(888) 818-6032
7 a.m.-8 p.m. MT, Monday-Thursday
7 a.m.-5 p.m. MT, Friday
7 a.m.-11 a.m. MT, Saturday
English and Spanish
www.spservicing.com SunTrust Mortgage, Inc.
(800) 443-1032
8 a.m.-6 p.m., ET, Monday-Friday
English and Spanish
www.suntrustmortgage.com U.S. Bank Home Mortgage
(800) 365-7900
8 a.m.-5 p.m. CST, Monday-Friday
All languages
www.usbankhomemortgage.com Wachovia Corporation (a Wells Fargo Company)
(866) 642-8608
8 a.m.-5:30 p.m., Monday-Thursday
8:30 a.m.-4 p.m., Friday
Many languages
www.wachovia.com Wells Fargo Home Mortgage
Customer Service Disaster Line: (888) 818-9147
6 a.m. to 10 p.m. CST Monday - Friday
8 a.m. to 2 p.m. CST Saturday
English and Spanish
www.wellsfargo.com Wilshire Credit Corporation/Merrill Lynch
(888) 952-7339
7 a.m.-4 p.m. PST, Monday-Friday
Most languages
Email: wcc_hope@wcc.ml.com
www.wcc.ml.com
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