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 disasters. Having a checklist of legal and financial documents to carry with you is key. See a list of evacuation tips 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. All of the above relief efforts apply to borrowers affected by recent hurricanes. The MBA and its members continue to encourage these injured parties to directly contact the mortgage company to which they regularly make mortgage loan payments. See the sidebar to the right for lender contact information. 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
http://www.accredhome.com Ameriquest Mortgage (aquired by Citi Residential Lending)
(800) 430-5252
6 a.m.-5 p.m. PST, Monday-Friday
http://www.mycitiresidentialloan.com Aurora Loan Servicing
(866) 521-3828
8 a.m.-4 p.m., Monday-Thursday
8 a.m.-4 p.m., Saturday
All languages
http://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
http://www.avelomortgage.com Bank of America
(800) 846-2222 (Collections)
8 a.m.-9 p.m., Monday-Friday
English and Spanish
http://www.bankofamerica.com
(select Service My Mortgage or Payment Counseling) BB&T Mortgage
(800) 827-3722
8:30 a.m.-7 p.m., Monday-Thursday
8:30 a.m.-6 p.m., Friday
All languages
http://www.bbandt.com/mortgages.com Central Pacific Bank
(800) 342-8422
7:30 a.m.-7 p.m., Monday-Friday
9 a.m.-5 p.m., Saturday
Hawaiian, English
http://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
http://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
http://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
http://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
http://www.citimortgage.com Countrywide Financial (California)
(800) 669-0102
8 a.m.-5 p.m., Monday-Friday
8 a.m.-12 p.m., Saturday
English and Spanish
http://www.countrywide.com Countrywide Home Loans
(877) 744-7691
8 a.m.-9 p.m. CST, Monday-Thursday
English and Spanish
http://www.countrywide.com Downey Financial Corp.
(800) 824-6902, ext. 6696
8:30 a.m.-4:30 p.m. PST, Monday-Friday
English and Spanish
http://www.downeysavings.com/hl EMC Mortgage Corp.
(888) 609-2379
5 a.m.-9 p.m., Monday-Friday
5 a.m.-2 p.m., Saturday
English and Spanish
http://www.emcmortgagecorp.com/emcccn/faq/faq.isp Equity One (now Popular Mortgage Servicing Inc.)
(800) 664-1325
8 a.m.-5 p.m.
English and Spanish
http://www.popularmsi.com EverHome Mortgage
(800) 669-9721
8:30 a.m.-5:30 p.m., Monday-Friday
http://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
gary_fedoronko@hls.ml.com
http://www.viewmyloan.com First Horizon Home Loans
(800) 919-5376
8 a.m.-5 p.m., Monday-Friday
English and Spanish
http://www.firsthorizon.com/loans.home.cfm Flagstar Bank
(800) 945-7700, ext. 9780
8:30 a.m.-5 p.m., Monday-Friday
All languages
http://www.flagstar.com/lending/mortgage Fremont Investment & Loan
(866) 484-0291
8:30 a.m.-6 p.m. PST, Monday-Friday
English and Spanish
http://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
http://www.gmacmortgage.com Home Loan Services
(800) 622-5035
8 a.m.-10 p.m., Monday-Friday
Email: hls_hope@hls.ml.com
http://www.viewmyloan.com Homecomings Financial
(800) 799-9250
7 a.m.-11 p.m. CST, Monday-Thursday
8 a.m.-12 p.m. CST, Saturday
English and Spanish
http://www.homecomings.com/Resource_Center/ResourceCenter.html HomEq Servicing
(866) 822-1471
8:30 a.m.-5:30 p.m. PST, Monday-Friday
English and Spanish
http://www.homeq.com
HSBC Mortgage Services
(800) 365-6730
8 a.m.-6 p.m., Monday-Friday
English and Spanish
http://www.hsbcmortgageservices.com
Indymac Bank
(877) 736-5556
8 a.m.-9 p.m., Monday-Friday
All Languages
http://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
http://www.littonloan.com Midland Mortgage Co.
Phone 1-800-654-4566
http://www.MyMidlandMortgage.com National City Home Loan Services
(800) 367-9305
8 a.m.-5 p.m., Monday-Friday
English and Spanish
http://www.nationalcity.com National City Mortgage
( 800) 822-5626
8 a.m.-5 p.m.
English and Spanish
http://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
http://www.viewmyloan.com/nationpoint
Nationstar Mortgage
(888) 480-2432, ext. 3705
8 a.m.-8 p.m. CST, Monday-Friday
English and Spanish
http://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
http://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
http://www.carringtonms.com NovaStar Financial
(888) 289-1231
English and Spanish
http://www.novastarmortgage.com NovaStar Mortgage Loan Resolution Department
(888) 743-0774
(888) 743-0774, ext. 4523 (Non-English)
English and Spanish
Loanresolution@novastar1.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
http://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
http://www.amtrust.com Option One Mortgage
(888) 275-2648
8 a.m.-5 p.m. PST, Monday-Friday
English and Spanish
http://www.oomc.com PHH Mortgage
(800) 750-2518
8:30 a.m.-5 p.m. EST, Monday-Friday
All Languages
Email: MBSlossmitigation@mortgagefamily.com
http://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
http://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
http://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
http://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
http://www.spservicing.com SunTrust Mortgage, Inc.
(800) 443-1032
8 a.m.-6 p.m., ET, Monday-Friday
English and Spanish
http://www.suntrustmortgage.com U.S. Bank Home Mortgage
(800) 365-7900
8 a.m.-5 p.m. CST, Monday-Friday
All languages
http://www.usbankhomemortgage.com Wachovia Corporation
(866) 642-8608
8 a.m.-5:30 p.m., Monday-Thursday
8:30 a.m.-4 p.m., Friday
Many languages
http://www.wachovia.com Washington Mutual
(866) 926-8973
5 a.m.-8 p.m. PST, Monday-Friday
All Languages
http://www.wamuhomeloans.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
http://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
http://www.wcc.ml.com
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